Earn Money Through Quotes

It's really going to happen. I really won't ever go back to school. Not ever. I'll never be famous or leave anything worthwhile behind. I'll never go to college or have a job. I won't see my brother grow up. I won't travel, never earn money, never drive, never fall in love or leave home or get my own house. It's really, really true. A thought stabs up, growing from my toes and ripping through me, until it stifles everything else and becomes the only thing I'm thinking. It fills me up like a silent scream.

When a destitute mother starts earning an income, her dreams of success invariably center around her children. A woman's second priority is the household. She wants to buy utensils, build a stronger roof, or find a bed for herself and her family. A man has an entirely different set of priorities. When a destitute father earns extra income, he focuses more attention on himself. Thus money entering a household through a woman brings more benefits to the family as a whole.

Right-wing women have surveyed the world: they find it a dangerous place. They see that work subjects them to more danger from more men; it increases the risk of sexual exploitation. They see that creativity and originality in their kind are ridiculed; they see women thrown out of the circle of male civilization for having ideas, plans, visions, ambitions. They see that traditional marriage means selling to one man, not hundreds: the better deal. They see that the streets are cold, and that the women on them are tired, sick, and bruised. They see that the money they can earn will not make them independent of men and that they will still have to play the sex games of their kind: at home and at work too. They see no way to make their bodies authentically their own and to survive in the world of men. They know too that the Left has nothing better to offer: leftist men also want wives and whores; leftist men value whores too much and wives too little. Right-wing women are not wrong. They fear that the Left, in stressing impersonal sex and promiscuity as values, will make them more vulnerable to male sexual aggression, and that they will be despised for not liking it. They are not wrong. Right-wing women see that within the system in which they live they cannot make their bodies their own, but they can agree to privatized male ownership: keep it one-on-one, as it were. They know that they are valued for their sex— their sex organs and their reproductive capacity—and so they try to up their value: through cooperation, manipulation, conformity; through displays of affection or attempts at friendship; through submission and obedience; and especially through the use of euphemism—“femininity, ” “total woman, ” “good, ” “maternal instinct, ” “motherly love. ” Their desperation is quiet; they hide their bruises of body and heart; they dress carefully and have good manners; they suffer, they love God, they follow the rules. They see that intelligence displayed in a woman is a flaw, that intelligence realized in a woman is a crime. They see the world they live in and they are not wrong. They use sex and babies to stay valuable because they need a home, food, clothing. They use the traditional intelligence of the female—animal, not human: they do what they have to to survive.

The ones whose light will remain with me long after they have burnt out are the ones that had grace. Because it's rare that the gift comes with grace. Some of the biggest arseholes I've ever met are the most gifted. Because it's "pretty girl" syndrome. Being gifted is like being born beautiful. You don't have to work a day in a year in your life for it. You were born with it. In one sense, it's like blue blood, money, gift, or beauty. They are the things that should make you the most humble, because they are not the things you have earned. They are the things you were given. Yet, it is my experience that they male people the most spoiled. And the people who work the hardest, and who have overcome the most obstacles on their life, who have reason to beat their breasts are the most humble, sometimes. I can't get over that. it's bewildering to me. To make it through success and still have manners, to still have curiosity, intellectual curiosity, to still have some grace, to keep your dignity, that is really... rare.

Your earnings are a byproduct of how well you serve your audience, and you can only best serve your audience when you know exactly who they are, what they’re going through, and what will get them to take action.

He was in a beastly hole. But decency demanded that he shouldn't act in panic. He had a mechanical, normal panic that made him divest himself of money. Gentlemen don't earn money. Gentlemen, as a matter of fact, don't do anything. They exist. Perfuming the air like Madonna lilies. Money comes into them as air through petals and foliage. Thus the world is made better and brighter. And, of course, thus political life can be kept clean!... So you can't make money.

Some call you the lost brothers. Look at you. Living in America has lightened your skin, made you forget your language. You have tasted Western women and you're probably not as attracted to Vietnamese women anymore. You eat nutritious Western food and you are bigger and stronger than us. You know better than to smoke and drink like Vietnamese. You know exercise is good so you don't waste your time sitting in cafés and smoking your hard earned money away. Someday, your blood will mix so well with the Western blood that there will be no difference between you and them. You are already lost to us.

Wisdom is really the key to wealth. With great wisdom, comes great wealth and success. Rather than pursuing wealth, pursue wisdom. The aggressive pursuit of wealth can lead to disappointment. Wisdom is defined as the quality of having experience, and being able to discern or judge what is true, right, or lasting. Wisdom is basically the practical application of knowledge. Rich people have small TVs and big libraries, and poor people have small libraries and big TVs. Become completely focused on one subject and study the subject for a long period of time. Don't skip around from one subject to the next. The problem is generally not money. Jesus taught that the problem was attachment to possessions and dependence on money rather than dependence on God. Those who love people, acquire wealth so they can give generously. After all, money feeds, shelters, and clothes people. They key is to work extremely hard for a short period of time (1-5 years), create abundant wealth, and then make money work hard for you through wise investments that yield a passive income for life. Don't let the opinions of the average man sway you. Dream, and he thinks you're crazy. Succeed, and he thinks you're lucky. Acquire wealth, and he thinks you're greedy. Pay no attention. He simply doesn't understand. Failure is success if we learn from it. Continuing failure eventually leads to success. Those who dare to fail miserably can achieve greatly. Whenever you pursue a goal, it should be with complete focus. This means no interruptions. Only when one loves his career and is skilled at it can he truly succeed. Never rush into an investment without prior research and deliberation. With preferred shares, investors are guaranteed a dividend forever, while common stocks have variable dividends. Some regions with very low or no income taxes include the following: Nevada, Texas, Wyoming, Delaware, South Dakota, Cyprus, Liechtenstein, Luxembourg, Panama, San Marino, Seychelles, Isle of Man, Channel Islands, Curaçao, Bahamas, British Virgin Islands, Brunei, Monaco, Qatar, United Arab Emirates, Saudi Arabia, Bahrain, Bermuda, Kuwait, Oman, Andorra, Cayman Islands, Belize, Vanuatu, and Campione d'Italia. There is only one God who is infinite and supreme above all things. Do not replace that infinite one with finite idols. As frustrated as you may feel due to your life circumstances, do not vent it by cursing God or unnecessarily uttering his name. Greed leads to poverty. Greed inclines people to act impulsively in hopes of gaining more. The benefit of giving to the poor is so great that a beggar is actually doing the giver a favor by allowing the person to give. The more I give away, the more that comes back. Earn as much as you can. Save as much as you can. Invest as much as you can. Give as much as you can.

By unlinking your money motivation from anger, fear, and the need to prove yourself, you can install new links for earning your money through purpose, contribution, and joy.

Most peasants did not miss the school. "What's the point?" they would say. "You pay fees and read for years, and in the end you are still a peasant, earning your food with your sweat. You don't get a grain of rice more for being able to read books. Why waste time and money? Might as well start earning your work points right away." The virtual absence of any chance of a better future and the near total immobility for anyone born a peasant took the incentive out of the pursuit of knowledge. Children of school age would stay at home to help their families with their work or look after younger brothers and sisters. They would be out in the fields when they were barely in their teens. As for girls, the peasants considered it a complete waste of time for them to go to school. "They get married and belong to other people. It's like pouring water on the ground." The Cultural Revolution was trumpeted as having brought education to the peasants through 'evening classes." One day my production team announced it was starting evening classes and asked Nana and me to be the teachers. I was delighted. However, as soon as the first 'class' began, I realized that this was no education. The classes invariably started with Nana and me being asked by the production team leader to read out articles by Mao or other items from the People's Daily. Then he would make an hour-long speech consisting of all the latest political jargon strung together in undigested and largely unintelligible hunks. Now and then he would give special orders, all solemnly delivered in the name of Mao.

a first step, most Americans earning median incomes will find that serious progress is made at first through the intelligent and intentional application of frugal living and preservation of earned income.

And through it all was the pervasive sound of money. Money lost. Money found. Spent. Earned. Exchanged. Gambled. Wasted. Tainted lucre, wealth corrupted by those who found success on the suffering of others.

Social Darwinism, or the idea that those who are the best and smartest earn the most money, has two holes: first, not all intelligent people opt to chase the money wagon and second, most morons are greedy, and many of them succeed through luck or persistence.

Besides shopping at garage sales, I love hosting garage sales. Every year my mom and I dig through our houses and find a bunch of crap (I mean really terrific stuff) to sell so we can earn some money so we can go back out and buy some more crap (I mean really terrific stuff) that we’ll use for a bit and then turn around and garage-sale in a couple of years. It’s the circle of life suburban style.

friendship nostalgia i miss the days when my friends knew every mundane detail about my life and i knew every ordinary detail about theirs adulthood has starved me of that consistency​ ​that us those walks around the block those long conversations when we were too lost in the moment to care what time it was when we won-and celebrated when we failed and celebrated even harder when we were just kids now we have our very important jobs that fill up our very busy schedules we have to compare calendars just to plan coffee dates that one of us will eventually cancel because adulthood is being too exhausted to leave our apartments most days i miss belonging to a group of people bigger than myself it was that belonging that made life easier to live how come no one warned us about how we'd graduate and grow apart after everything we'd been through how come no one said one of life's biggest challenges would be trying to stay connected to the people that make us feel alive no one talks about the hole a friend can leave inside you when they go off to make their dreams come true in college we used to stay up till 4 in the morning dreaming of what we'd do the moment we started earning real paychecks now we finally have the money to cross everything off our bucket lists but those lists are collecting dust in some lost corridor of our minds sometimes when i get lonely ​i​ still search for them i'd give anything to go back and do the foolish things we used to do i feel the most present in your presence when we're laughing so hard the past slides off our shoulders and worries of the future slip away the truth is​ ​i couldn't survive without my friends they know exactly what i need before i even know that i need the way we hold each other is just different so forget grabbing coffee i don't want to have another dinner where we sit across from each other at a table reminiscing about old times when we have so much time left to make new memories with how about you go pack your bags and i'll pack mine you take a week off work i'll grab my keys and let's go for ride we've got years of catching up to do

With the money my mother earned from selling cakes, my father cut a deal with Mangochi and bought one pail of maize. My mother took it to the mill, saved half the flour for us, and used the rest for more cakes. We did this every day, taking enough to eat and selling the rest. It was enough to provide our one blob of nsima each night, along with some pumpkin leaves. It was practically nothing, yet knowing it would be there somehow made the hunger less painful. "As long as we can stay in business," my father said, "we'll make it through. Our profit is that we live.

Women are poor; poorer than men. Women are poor; poor people need luxuries. Of course women should be free to buy whatever they want, but if we are going to spend our hard-earned cash, the luxuries should deliver what they promise, not simply leech guilt money. No one takes this fraud seriously because the alternative to it is the real social threat: that women will first accept their aging, then admire it, and finally enjoy it. Wasting women’s money is the calculable damage; but the damage this fraud does women through its legacy of the dread of aging is incalculable.

Money was the blood of civilized society, its currents running through everything and everyone. Where money was insufficient, things withered. People starved, sickened and died, constructions eroded, even ideas perished. Where funds were plentiful, the same things blossomed with new life. And money was, in the end, little more than the product of collective imagination. A slip of paper or a coin had no value beyond that of the material it was fashioned of. It only took on a life of its own when people as a whole collectively agreed that certain papers and coins were worth something. Only then did people bleed and die for it. For a fantasy, a faith given form in hard, concrete numbers. Then again, much of society was built on a series of shared delusions. Clothing was little more than scraps of particular materials with particular geometries, but people clung to the idea of fashion. Style. Good and bad fashion was another belief system, one which all members of a culture were indoctrinated into. Breaking certain conventions didn’t only challenge the aesthetic sensibilities of others, but it challenged their sense of self. It reminded them, subconsciously, of the very pretendings they clung to. Only those with power could stand against society’s tides, flaunt the collective’s ‘safe’ aesthetic. When one had enough power, others couldn’t rise against them and safely say something calculated to reduce their own dissonance and remind the offending party of the unspoken rules. When one had enough power to take a life with a twitch of a finger, a thought, they earned the right to wear skin-tight clothing and call themselves Hero, or Legend. To wear a mask and name themselves something inane like ‘the Cockatoo’ and still take themselves seriously.

The question of whether we wanted all this waste and pollution was never put up for a vote. No one has ever run for office on a platform of disposable clothing. Make no mistake: our votes matter. But changing the way things are won’t happen through our votes alone. How we spend our money matters, too.

Cixi’s lack of formal education was more than made up for by her intuitive intelligence, which she liked to use from her earliest years. In 1843, when she was seven, the empire had just finished its first war with the West, the Opium War, which had been started by Britain in reaction to Beijing clamping down on the illegal opium trade conducted by British merchants. China was defeated and had to pay a hefty indemnity. Desperate for funds, Emperor Daoguang (father of Cixi’s future husband) held back the traditional presents for his sons’ brides – gold necklaces with corals and pearls – and vetoed elaborate banquets for their weddings. New Year and birthday celebrations were scaled down, even cancelled, and minor royal concubines had to subsidise their reduced allowances by selling their embroidery on the market through eunuchs. The emperor himself even went on surprise raids of his concubines’ wardrobes, to check whether they were hiding extravagant clothes against his orders. As part of a determined drive to stamp out theft by officials, an investigation was conducted of the state coffer, which revealed that more “than nine million taels of silver had gone missing. Furious, the emperor ordered all the senior keepers and inspectors of the silver reserve for the previous forty-four years to pay fines to make up the loss – whether or not they were guilty. Cixi’s great-grandfather had served as one of the keepers and his share of the fine amounted to 43,200 taels – a colossal sum, next to which his official salary had been a pittance. As he had died a long time ago, his son, Cixi’s grandfather, was obliged to pay half the sum, even though he worked in the Ministry of Punishments and had nothing to do with the state coffer. After three years of futile struggle to raise money, he only managed to hand over 1,800 taels, and an edict signed by the emperor confined him to prison, only to be released if and when his son, Cixi’s father, delivered the balance. The life of the family was turned upside down. Cixi, then eleven years old, had to take in sewing jobs to earn extra money – which she would remember all her life and would later talk about to her ladies-in-waiting in the court. “As she was the eldest of two daughters and three sons, her father discussed the matter with her, and she rose to the occasion. Her ideas were carefully considered and practical: what possessions to sell, what valuables to pawn, whom to turn to for loans and how to approach them. Finally, the family raised 60 per cent of the sum, enough to get her grandfather out of prison. The young Cixi’s contribution to solving the crisis became a family legend, and her father paid her the ultimate compliment: ‘This daughter of mine is really more like a son!’ Treated like a son, Cixi was able to talk to her father about things that were normally closed areas for women. Inevitably their conversations touched on official business and state affairs, which helped form Cixi’s lifelong interest. Being consulted and having her views acted on, she acquired self-confidence and never accepted the com“common assumption that women’s brains were inferior to men’s. The crisis also helped shape her future method of rule. Having tasted the bitterness of arbitrary punishment, she would make an effort to be fair to her officials.

From a very early age Edison became used to doing things for himself, by necessity. His family was poor, and by the age of twelve he had to earn money to help his parents. He sold newspapers on trains, and traveling around his native Michigan for his job, he developed an ardent curiosity about everything he saw. He wanted to know how things worked—machines, gadgets, anything with moving parts. With no schools or teachers in his life, he turned to books, particularly anything he could find on science. He began to conduct his own experiments in the basement of his family home, and he taught himself how to take apart and fix any kind of watch. At the age of fifteen he apprenticed as a telegraph operator, then spent years traveling across the country plying his trade. He had no chance for a formal education, and nobody crossed his path who could serve as a teacher or mentor. And so in lieu of that, in every city he spent time in, he frequented the public library. One book that crossed his path played a decisive role in his life: Michael Faraday’s two-volume Experimental Researches in Electricity. This book became for Edison what The Improvement of the Mind had been for Faraday. It gave him a systematic approach to science and a program for how to educate himself in the field that now obsessed him—electricity. He could follow the experiments laid out by the great Master of the field and absorb as well his philosophical approach to science. For the rest of his life, Faraday would remain his role model. Through books, experiments, and practical experience at various jobs, Edison gave himself a rigorous education that lasted about ten years, up until the time he became an inventor. What made this successful was his relentless desire to learn through whatever crossed his path, as well as his self-discipline. He had developed the habit of overcoming his lack of an organized education by sheer determination and persistence. He worked harder than anyone else. Because he was a consummate outsider and his mind had not been indoctrinated in any school of thought, he brought a fresh perspective to every problem he tackled. He turned his lack of formal direction into an advantage. If you are forced onto this path, you must follow Edison’s example by developing extreme self-reliance. Under these circumstances, you become your own teacher and mentor. You push yourself to learn from every possible source. You read more books than those who have a formal education, developing this into a lifelong habit. As much as possible, you try to apply your knowledge in some form of experiment or practice. You find for yourself second-degree mentors in the form of public figures who can serve as role models. Reading and reflecting on their experiences, you can gain some guidance. You try to make their ideas come to life, internalizing their voice. As someone self-taught, you will maintain a pristine vision, completely distilled through your own experiences—giving you a distinctive power and path to mastery.

I don’t know why we women believe that sacrificing our desires makes us more attractive to men. What on earth are we thinking? That someone who goes without her wishes deserves to be loved more than she who follows her dreams? It’s exactly what I thought. The more I sacrificed, the happier I was. The longer I went without, the stronger was my hope that Lothar would give me what I needed. I believed that if I didn’t ask for anything, made no reproaches, didn’t demand my own room or my own money, didn’t cause any arguments, the miracle would come to pass. That he would say, Oh, how much you have sacrificed! How my love for you has grown, because you sacrificed yourself for me! How crazy that was. I was so proud of myself and my capacity for suffering: I wanted to be perfect at it. The more complete my uncomplaining acquiescence became, the greater his love would one day be. And my greatest abnegation - renouncing my own life - would have secured me his undying love. Does love have to be earned through suffering?

Why do you choose to write about such gruesome subjects? I usually answer this with another question: Why do you assume that I have a choice? Writing is a catch-as-catch-can sort of occupation. All of us seem to come equipped with filters on the floors of our minds, and all the filters have differing sizes and meshes. What catches in my filter may run right through yours. What catches in yours may pass through mine, no sweat. All of us seem to have a built-in obligation to sift through the sludge that gets caught in our respective mind-filters, and what we find there usually develops into some sort of sideline. The accountant may also be a photographer. The astronomer may collect coins. The school-teacher may do gravestone rubbings in charcoal. The sludge caught in the mind's filter, the stuff that refuses to go through, frequently becomes each person's private obsession. In civilized society we have an unspoken agreement to call our obsessions “hobbies.” Sometimes the hobby can become a full-time job. The accountant may discover that he can make enough money to support his family taking pictures; the schoolteacher may become enough of an expert on grave rubbings to go on the lecture circuit. And there are some professions which begin as hobbies and remain hobbies even after the practitioner is able to earn his living by pursuing his hobby; but because “hobby” is such a bumpy, common-sounding little word, we also have an unspoken agreement that we will call our professional hobbies “the arts.” Painting. Sculpture. Composing. Singing. Acting. The playing of a musical instrument. Writing. Enough books have been written on these seven subjects alone to sink a fleet of luxury liners. And the only thing we seem to be able to agree upon about them is this: that those who practice these arts honestly would continue to practice them even if they were not paid for their efforts; even if their efforts were criticized or even reviled; even on pain of imprisonment or death. To me, that seems to be a pretty fair definition of obsessional behavior. It applies to the plain hobbies as well as the fancy ones we call “the arts”; gun collectors sport bumper stickers reading YOU WILL TAKE MY GUN ONLY WHEN YOU PRY MY COLD DEAD FINGERS FROM IT, and in the suburbs of Boston, housewives who discovered political activism during the busing furor often sported similar stickers reading YOU'LL TAKE ME TO PRISON BEFORE YOU TAKE MY CHILDREN OUT OF THE NEIGHBORHOOD on the back bumpers of their station wagons. Similarly, if coin collecting were outlawed tomorrow, the astronomer very likely wouldn't turn in his steel pennies and buffalo nickels; he'd wrap them carefully in plastic, sink them to the bottom of his toilet tank, and gloat over them after midnight.

People do some crazy things with money. But no one is crazy. Here’s the thing: People from different generations, raised by different parents who earned different incomes and held different values, in different parts of the world, born into different economies, experiencing different job markets with different incentives and different degrees of luck, learn very different lessons. Everyone has their own unique experience with how the world works. And what you’ve experienced is more compelling than what you learn second-hand. So all of us—you, me, everyone—go through life anchored to a set of views about how money works that vary wildly from person to person. What seems crazy to you might make sense to me. Housel, Morgan. The Psychology of Money (p. 17). Kindle Edition.

Wolfe fluttered a hand. “It was distasteful to me, having to offer to take the money direct from you instead of through Mr. Helmar, but I felt you merited that consideration. I’m glad you contemn it as blackmail, since I like to pretend that I earn at least a fraction of what I collect; but the offer stands until ten in the morning, should you decide that you prefer it to this hide-and-seek.

In the old days, farmers would keep a little of their home-made opium for their families, to be used during illnesses, or at harvests and weddings; the rest they would sell to the local nobility, or to pykari merchants from Patna. Back then, a few clumps of poppy were enough to provide for a household's needs, leaving a little over, to be sold: no one was inclined to plant more because of all the work it took to grow poppies - fifteen ploughings of the land and every remaining clod to be built; purchases of manure and constant watering; and after all that, the frenzy of the harvest, each bulb having to be individually nicked, drained and scrapped. Such punishment was bearable when you had a patch or two of poppies - but what sane person would want to multiply these labours when there were better, more useful crops to grow, like wheat, dal, vegetables? But those toothsome winter crops were steadily shrinking in acreage: now the factory's appetite for opium seemed never to be seated. Come the cold weather, the English sahibs would allow little else to be planted; their agents would go from home to home, forcing cash advances on the farmers, making them sign /asámi/ contracts. It was impossible to say no to them: if you refused they would leave their silver hidden in your house, or throw it through a window. It was no use telling the white magistrate that you hadn't accepted the money and your thumbprint was forged: he earned commissions on the oppium adn would never let you off. And, at the end of it, your earnings would come to no more than three-and-a-half sicca rupees, just about enough to pay off your advance.

Next an Intimacy Consultant named Anita arrived. When Anita walked in she looked very studious. However, when she started to set up I would have never guessed that she did this for a living. First came all types of lingerie; see through, lacy, racy, edible, and even costumes. "Okay," Phoebe cleared her throat. "The idea here is to purchase things for our dear Lilli to wear or use on her honeymoon." Phoebe giggled and I scowled at her. "Don’t waste your money," I spat quickly, earning a laugh from Maggie and Viola. "Oh, honey, if Aidan is anything like his uncle then you will definitely want to get yourself some." "Mom," Maggie yelled and covered her ears. We all burst into laughter. "I’m just saying," Viola shrugged. "Your father is quite—" "Seriously? Seriously, mom? No…Ew, ew, ew!" Maggie screamed as she left the room. "God, please let my car get here soon!

I do not know how much money Britney Spears earned last year.. However, I do know that it's not enough for me to want her life, were I given the option to have it. Every day, random people use Britney's existence as currency; they talk about her public failures and her lack of talent as a way to fill the emptiness of their own normalcy. She — alone with Lindsay Lohan and Paris Hilton and all those androids from The Hills — are the unifying entities within this meta era. In a splintered society, they are the means through which people devoid of creativity communicate with each other. THey allow Americans to understand who they are and who they are not; they allow Americans to unilaterally agree on something they never needed to consciously consider. A person like Britney Spears surrenders her privacy and her integrity and the rights to her own persona, and in exchange we give her huge sums of money. But she still doesn't earn a fraction of what she warrants in free-trade economy. If Britney Spears were paid $1 every time a self-loathing stranger used her as a surrogate for his own failure, she would out earn Warren Buffet in three months. This is why entertainers (and athletes) make so much revenue but are still wildly underpaid: We use them for things that are worth more than money. It's a new kind of dehumanizing slavery — not as awful as the literal variety, but dehumanizing nonetheless.

For this boy destined to be the world’s greatest heir, money was so omnipresent as to be invisible—something “there, like air or food or any other element,” he later said—yet it was never easily attainable.11 As if he were a poor, rural boy, he earned pocket change by mending vases and broken fountain pens or by sharpening pencils. Aware of the rich children spoiled by their parents, Senior seized every opportunity to teach his son the value of money. Once, while Rockefeller was being shaved at Forest Hill, Junior entered with a plan to give away his Sunday-school money in one lump sum, for a fixed period, and be done with it. “Let’s figure it out first,” Rockefeller advised and made Junior run through calculations that showed he would lose eleven cents interest while the Sunday school gained nothing in return. Afterward, Rockefeller told his barber, “I don’t care about the boy giving his money in that way. I want him to give it. But I also want him to learn the lesson of being careful of the little things.

First, we should concentrate each day on the happiness portfolio: faith, family, community, and earned success through work. Teach it to those around you, and fight against the barriers to these things. Second, resist the worldly formula of misery, which is to use people and love things. Instead, remember your core values and live by the true formula: Love people and use things. Third, celebrate the free enterprise system, which creates abundance for the most people—especially the poor. But always remember that the love of money is the root of all evil, and that the ideal life requires abundance without attachment.

This is what makes the unexamined life so dangerous. We think we are living life to the fullest but we aren’t. Instead, we are often trading long-term purpose for short-term pleasure. When we eat unhealthily, we miss an opportunity to fuel our bodies properly. When we watch too much TV or spend too much time online, we miss opportunities to interact with people in the real world. When we neglect to exercise, we miss the opportunity to enjoy the kinds of adventures available to those with physical stamina. When we stay up late and sleep through the morning, we may be missing out on the most productive period of our day. When we buy more than we need, we miss the opportunity to live free and unburdened. When we spend more than we earn, we shackle ourselves with bondage to debt. When we spend too much money on ourselves, we miss the opportunity to find greater joy by being generous to others. The way to avoid these kinds of mistakes is to live intentionally. That is, we examine our options and make choices with larger purposes and longer-term goals in mind. If an activity, a decision, or a habit is not bringing us closer to our purpose and passion, then we should remove it. Because most of the time it is only distracting us from what really matters.

We live on a spinning rock suspended in darkness, which evolves around a dying star. Our spinning rock was once ruled and owned by gigantic reptiles, all over! In sea, land, and air, gigantic reptiles roamed! Then a smaller rock fell from the sky and made a hole in the ground, so big that all the giant reptiles died! We live on a spinning rock we got from dragons flying through the air, and on this rock we kill each other over things like religion and money! And on this rock we make friends, we fall in love, we work hard to earn papers so we can buy things. On this rock we have dreams at night that remind us of beautiful places we have never been to, beautiful wonders we have never imagined before... we write stories and we make books, we try to travel to other rocks around us, we wonder if anyone else is out there. Our planet, and our existence as a human species, is bizarre! Our reality is bizarre! What we think is normal, when spelled out, is not normal at all. It's only normal because we are familiar with it. We are residents of a universe that is expanding at a rate of more than 5 billion meters per every few seconds, forming new realities and new substances with each expansion! We will never become familiar with even the very tip of what actually is! So why are any of us afraid of the possibilities of what could be? Why does this frighten us, why does this scare us? When we actually never know anything at all!

I often would think about how we have built our society, and when you describe it out loud, it sounds rather insane. The idea of being funnelled through a conventional life progression of education, work, career, marriage, kids, divorce, retirement and then death doesn’t seem that inspiring to me. Then we’re told we have to struggle to make a living, sacrifice enjoyment to have a family, delay our happiness until we’re retired, fight the next person for a job, climb the ladder of success to get an even more stressful job, spend more money than we earn, go into debt, live in fear of being blown up by some terrorist and then have TV passed off as the only way to escape it all. And when all of this gets too much and you can’t keep up, you get prescribed antidepressants and made to feel like you’ve failed.

BLUE pencils, blue noses, blue movies, laws, blue legs and stockings, the language of birds, bees, and flowers as sung by longshoremen, that lead-like look the skin has when affected by cold, contusion, sickness, fear; the rotten rum or gin they call blue ruin and the blue devils of its delirium; Russian cats and oysters, a withheld or imprisoned breath, the blue they say that diamonds have, deep holes in the ocean and the blazers which English athletes earn that gentlemen may wear; afflictions of the spirit—dumps, mopes, Mondays—all that’s dismal—low-down gloomy music, Nova Scotians, cyanosis, hair rinse, bluing, bleach; the rare blue dahlia like that blue moon shrewd things happen only once in, or the call for trumps in whist (but who remembers whist or what the death of unplayed games is like?), and correspondingly the flag, Blue Peter, which is our signal for getting under way; a swift pitch, Confederate money, the shaded slopes of clouds and mountains, and so the constantly increasing absentness of Heaven (ins Blaue hinein, the Germans say), consequently the color of everything that’s empty: blue bottles, bank accounts, and compliments, for instance, or, when the sky’s turned turtle, the blue-green bleat of ocean (both the same), and, when in Hell, its neatly landscaped rows of concrete huts and gas-blue flames; social registers, examination booklets, blue bloods, balls, and bonnets, beards, coats, collars, chips, and cheese . . . the pedantic, indecent and censorious . . . watered twilight, sour sea: through a scrambling of accidents, blue has become their color, just as it’s stood for fidelity.

Today it is considered bad manners to point to any Soviet source of American anti-Americanism. But throughout their history, Americans had never before been anti-American. They voluntarily came to the US. They were always a proud and independent people who loved their country. Ares is the Greek god of war. He was usually accompanied in battle by his sister Eris ( goddess of discord ) and by his 2 sons, Deimos ( fear ) and Phobos ( terror ). Khrushchev and Ceausescu. Both men rose to lead their countries without ever having earned a single penny in any productive job. Neither man had the slightest idea about what made an economy work and each passionately believed that stealing from the rich was the magic wand that would cure all his country's economic ills. Both were leading formerly free countries, transformed into Marxist dictatorships through massive wealth redistribution, which eventually made the government the mother and father of everything. Disinformation has become the bubonic plague of our contemporary life. Marx used disinformation to depict money as an odious instrument of capitalist exploitation. Lenin's disinformation brought Marx's utopian communism to life. Hitler resorted to disinformation to portray the Jews as an inferior and loathsome race so as to rationalize his Holocaust. Disinformation was the tool used by Stalin to dispossess a third of the world and to transform it into a string of gulags. Khrushchev's disinformation widened the gap between Christianity and Judaism. Andropov's disinformation turned the Islamic world against the US and ignited the international terrorism that threatens us today. Disinformation has also generated worldwide disrespect and even contempt for the US and its leaders.

In her book The Government-Citizen Disconnect, the political scientist Suzanne Mettler reports that 96 percent of American adults have relied on a major government program at some point in their lives. Rich, middle-class, and poor families depend on different kinds of programs, but the average rich and middle-class family draws on the same number of government benefits as the average poor family. Student loans look like they were issued from a bank, but the only reason banks hand out money to eighteen-year-olds with no jobs, no credit, and no collateral is because the federal government guarantees the loans and pays half their interest. Financial advisers at Edward Jones or Prudential can help you sign up for 529 college savings plans, but those plans' generous tax benefits will cost the federal government an estimated $28.5 billion between 2017 and 2026. For most Americans under the age of sixty-five, health insurance appears to come from their jobs, but supporting this arrangement is one of the single largest tax breaks issued by the federal government, one that exempts the cost of employer-sponsored health insurance from taxable incomes. In 2022, this benefit is estimated to have cost the government $316 billion for those under sixty-five. By 2032, its price tag is projected to exceed $6oo billion. Almost half of all Americans receive government-subsidized health benefits through their employers, and over a third are enrolled in government-subsidized retirement benefits. These participation rates, driven primarily by rich and middle-class Americans, far exceed those of even the largest programs directed at low income families, such as food stamps (14 percent of Americans) and the Earned Income Tax Credit (19 percent). Altogether, the United States spent $1.8 trillion on tax breaks in 2021. That amount exceeded total spending on law enforcement, education, housing, healthcare, diplomacy, and everything else that makes up our discretionary budget. Roughly half the benefits of the thirteen largest individual tax breaks accrue to the richest families, those with incomes that put them in the top 20 percent. The top I percent of income earners take home more than all middle-class families and double that of families in the bottom 20 percent. I can't tell you how many times someone has informed me that we should reduce military spending and redirect the savings to the poor. When this suggestion is made in a public venue, it always garners applause. I've met far fewer people who have suggested we boost aid to the poor by reducing tax breaks that mostly benefit the upper class, even though we spend over twice as much on them as on the military and national defense.

That City of yours is a morbid excrescence. Wall Street is a morbid excrescence. Plainly it's a thing that has grown out upon the social body rather like -- what do you call it? -- an embolism, thrombosis, something of that sort. A sort of heart in the wrong place, isn't it? Anyhow -- there it is. Everything seems obliged to go through it now; it can hold up things, stimulate things, give the world fever or pain, and yet all the same -- is it necessary, Irwell? Is it inevitable? Couldn't we function economically quite as well without it? Has the world got to carry that kind of thing for ever? "What real strength is there in a secondary system of that sort? It's secondary, it's parasitic. It's only a sort of hypertrophied, uncontrolled counting-house which has become dominant by falsifying the entries and intercepting payment. It's a growth that eats us up and rots everything like cancer. Financiers make nothing, they are not a productive department. They control nothing. They might do so, but they don't. They don't even control Westminster and Washington. They just watch things in order to make speculative anticipations. They've got minds that lie in wait like spiders, until the fly flies wrong. Then comes the debt entanglement. Which you can break, like the cobweb it is, if only you insist on playing the wasp. I ask you again what real strength has Finance if you tackle Finance? You can tax it, regulate its operations, print money over it without limit, cancel its claims. You can make moratoriums and jubilees. The little chaps will dodge and cheat and run about, but they won't fight. It is an artificial system upheld by the law and those who make the laws. It's an aristocracy of pickpocket area-sneaks. The Money Power isn't a Power. It's respectable as long as you respect it, and not a moment longer. If it struggles you can strangle it if you have the grip...You and I worked that out long ago, Chiffan... "When we're through with our revolution, there will be no money in the world but pay. Obviously. We'll pay the young to learn, the grown-ups to function, everybody for holidays, and the old to make remarks, and we'll have a deuce of a lot to pay them with. We'll own every real thing; we, the common men. We'll have the whole of the human output in the market. Earn what you will and buy what you like, we'll say, but don't try to use money to get power over your fellow-creatures. No squeeze. The better the economic machine, the less finance it will need. Profit and interest are nasty ideas, artificial ideas, perversions, all mixed up with betting and playing games for money. We'll clean all that up..." "It's been going on a long time," said Irwell. "All the more reason for a change," said Rud.

Dr. Finch became a bone man, practiced in Nashville, played the stock market with shrewdness, and by the time he was forty-five he had accumulated enough money to retire and devote all his time to his first and abiding love, Victorian literature, a pursuit that in itself earned him the reputation of being Maycomb County’s most learned licensed eccentric. Dr. Finch had drunk so long and so deep of his heady brew that his being was shot through with curious mannerisms and odd exclamations. He punctuated his speech with little “hah”s and “hum”s and archaic expressions, on top of which his penchant for modern slang teetered precariously. His wit was hatpin sharp; he was absentminded; he was a bachelor but gave the impression of harboring amusing memories; he possessed a yellow cat nineteen years old; he was incomprehensible to most of Maycomb County because his conversation was colored with subtle allusions to Victorian obscurities.

The most unsettling part of the visit, however, came when the doctor casually asked if I’d ever considered having any work done, as they were having a special on Botox. Then I stabbed him in the knee with a pen. But just in my mind, because you can never find a pen when you really need one. In reality I just told him that I wasn’t a fan of paying money to inject paralyzing poison into my face and that I was actually quite proud of my laugh lines, which I view as a badge that tells people I’m not an asshole. He countered that it was really the frown line between my eyebrows that he’d focus on. I pointed out that I’d gone through a lot of living to get that frowny wrinkle and I wasn’t about to erase it now. “MY HUSBAND MADE THAT LINE,” I said, with a defensiveness that surprised even me. “This line represents every time I have ever argued with him about everything in the damn world. It’s a line that says, ‘Don’t cross me or I will cut you.’ It’s practically a medal for time served and I EARNED IT.

Johan had been away working for several weeks and home only at the weekends. Sigge missed him and I missed him and we were walking through the park on our way to daycare, two tired and sad souls. Sigge was sitting quietly in the buggy. He usually asks about everything we see along the way, why the air is so transparent, where the sun actually lives and if I like ice cream with pears and whipped cream. But today he was just sitting there quiet and tired, and I wanted to stop and hold him but instead I walked even faster. And then in the middle of the silence his questions started to come. ‘Mommy, why does Daddy have to work in Växjö?’ I gave him a tired, noncommittal answer. ‘He just has to. That’s where his job is right now.’ ‘But why?’ Sigge continued. ‘To earn money so we can buy food and pay the rent.’ ‘Why?’ Sigge said again, and I realized that he really did not understand and then I started wondering whether I really understood. ‘People have to work,’ I said and heard how hollow it sounded.

While Lee believed in slavery, he also profited from it far more than other army colonels. At the age of twenty-four, two years after graduating from West Point, Lee married Mary Custis, the only child of George Washington Parke Custis, the adopted son of George Washington. Custis earned his money through inheritance, and that inherited wealth derived from the work of enslaved labor. Enslaved labor created much of his wealth including the prestigious, Doric-columned Arlington House with its commanding view of the capital. Custis owned two other enslaved labor farms—Romancoke and White House. A year after marrying Mary Custis, Lee inherited enslaved workers from his mother’s estate. During his many years in the army, Lee hired out those enslaved workers and pocketed the profit, creating wealth. By the time he wrote his only will as a U.S. Army officer in 1846 as he headed to fight in Mexico, he estimated his net worth at $40,000 in stocks, bonds, and property, including enslaved workers, or more than $1.3 million today.

When, one day, Kamaswami held against him that he had learned everything he knew from him, he replied: “Would you please not kid me with such jokes! What I’ve learned from you is how much a basket of fish costs and how much interests may be charged on loaned money. These are your areas of expertise. I haven’t learned to think from you, my dear Kamaswami, you ought to be the one seeking to learn from me.” Indeed his soul was not with the trade. The business was good enough to provide him with the money for Kamala, and it earned him much more than he needed. Besides this, Siddhartha’s interest and curiosity was only concerned with the people, whose businesses, crafts, worries, pleasures, and acts of foolishness used to be as alien and distant to him as the moon. However easily he succeeded in talking to all of them, in living with all of them, in learning from all of them, he was still aware that there was something which separated him from them and this separating factor was him being a Samana. He saw mankind going through life

What is a “pyramid?” I grew up in real estate my entire life. My father built one of the largest real estate brokerage companies on the East Coast in the 1970s, before selling it to Merrill Lynch. When my brother and I graduated from college, we both joined him in building a new real estate company. I went into sales and into opening a few offices, while my older brother went into management of the company. In sales, I was able to create a six-figure income. I worked 60+ hours a week in such pursuit. My brother worked hard too, but not in the same fashion. He focused on opening offices and recruiting others to become agents to sell houses for him. My brother never listed and sold a single house in his career, yet he out-earned me 10-to-1. He made millions because he earned a cut of every commission from all the houses his 1,000+ agents sold. He worked smarter, while I worked harder. I guess he was at the top of the “pyramid.” Is this legal? Should he be allowed to earn more than any of the agents who worked so hard selling homes? I imagine everyone will agree that being a real estate broker is totally legal. Those who are smart, willing to take the financial risk of overhead, and up for the challenge of recruiting good agents, are the ones who get to live a life benefitting from leveraged Income. So how is Network Marketing any different? I submit to you that I found it to be a step better. One day, a friend shared with me how he was earning the same income I was, but that he was doing so from home without the overhead, employees, insurance, stress, and being subject to market conditions. He was doing so in a network marketing business. At first I refuted him by denouncements that he was in a pyramid scheme. He asked me to explain why. I shared that he was earning money off the backs of others he recruited into his downline, not from his own efforts. He replied, “Do you mean like your family earns money off the backs of the real estate agents in your company?” I froze, and anyone who knows me knows how quick-witted I normally am. Then he said, “Who is working smarter, you or your dad and brother?” Now I was mad. Not at him, but at myself. That was my light bulb moment. I had been closed-minded and it was costing me. That was the birth of my enlightenment, and I began to enter and study this network marketing profession. Let me explain why I found it to be a step better. My research led me to learn why this business model made so much sense for a company that wanted a cost-effective way to bring a product to market. Instead of spending millions in traditional media ad buys, which has a declining effectiveness, companies are opting to employ the network marketing model. In doing so, the company only incurs marketing cost if and when a sale is made. They get an army of word-of-mouth salespeople using the most effective way of influencing buying decisions, who only get paid for performance. No salaries, only commissions. But what is also employed is a high sense of motivation, wherein these salespeople can be building a business of their own and not just be salespeople. If they choose to recruit others and teach them how to sell the product or service, they can earn override income just like the broker in a real estate company does. So now they see life through a different lens, as a business owner waking up each day excited about the future they are building for themselves. They are not salespeople; they are business owners.

I don't mean to smear our people, but honestly, sometimes I thought the Jews were the worst. Not all, but you know the ones I'm talking about - they weren't like the kids in Oxford Circle, that’s for sure. You sent me off totally fucking unprepared, brother. Not a word of warning. Their doctor and dentist parents worked their way through school, but now they want their babies to go in style. They send them stereos and cars and blank checks. And those were the hippies! Running around in their flowing clothes, their noses surgically tilted in the air! Talking about oppression and the common man, and running off to volunteer at some job, calling it righteous because they don’t have to earn money. Or my favorite, going to summer camp until they’re like forty-five. You’re not a socialist because you sleep in a log cabin and dance in a circle! And who are they angry at, really angry at? Not the Man – they wouldn’t know the Man if he froze their Bloomingdale’s charge cards. No, they’re angry at their parents! The people who fund all this in the first place. If they don’t want their parents, send them my way. I’ve been looking all my life for someone to wipe my ass and pay my bills.

The face of the movement was the “pro-life and pro-family values” stance of millions, but the blood running through the movement’s veins was the racism and greed of a few. That is how white evangelicals became the most powerful and influential voting bloc in the United States and the fuel of the American white supremacy engine. That’s how evangelical leaders get away with the stunning hypocrisy of keeping their money, racism, misogyny, classism, nationalism, weapons, war, and corruption while purporting to lead in the name of a man who dedicated his life to ending war, serving orphans and widows, healing the sick, welcoming immigrants, valuing women and children, and giving power and money away to the poor. That is also why all a political candidate must do to earn evangelical allegiance is claim to be antiabortion and antigay—even if the candidate is a man who hates and abuses women, who stockpiles money and rejects immigrants, who incites racism and bigotry, who lives in every way antithetical to Jesus’s teachings. Jesus, the cross, and the identity “pro-life” are just shiny decals evangelical leaders slap on top of their own interests. They just keep pushing the memo: “Don’t think, don’t feel, don’t know. Just be against abortion and gays and keep on voting. That’s how to live like Jesus.” All the devil has to do to win is convince you he’s God.

(i) Social benefits. When we first started writing about higher education, we had a good deal of sympathy for the first justification. We no longer do. In the interim we have tried to induce the people who make this argument to be specific about the alleged social benefits. The answer is almost always simply bad economics. We are told that the nation benefits by having more highly skilled and trained people, that investment in providing such skills is essential for economic growth, that more trained people raise the productivity of the rest of us. These statements are correct. But none is a valid reason for subsidizing higher education. Each statement would be equally correct if made about physical capital (i.e., machines, factory buildings, etc.), yet hardly anyone would conclude that tax money should be used to subsidize the capital investment of General Motors or General Electric. If higher education improves the economic productivity of individuals, they can capture that improvement through higher earnings, so they have a private incentive to get the training. Adam Smith's invisible hand makes their private interest serve the social interest. It is against the social interest to change their private interest by subsidizing schooling. The extra students—those who will only go to college if it is subsidized—are precisely the ones who judge that the benefits they receive are less than the costs. Otherwise they would be willing to pay the costs themselves.

In 1972, Sara Kapp had been living for some time at Karmê Chöling without daring to ask to speak to Chögyam Trungpa. But when a New York modeling agency wanted to sign her as a model, she decided to ask his advice. Posing in front of the camera all day did not seem appropriate for someone who was trying to cut through her ego. Chögyam Trungpa asked her why she wanted to become a model. She explained how she had experienced some difficulty in sticking to any one thing after finishing college. So she thought that maybe picking out something for a few years might be beneficial. If that is the reason, he replied, then there’s no problem. He encouraged her to follow her career, and as she continued to hesitate, he told her: “The only obstacle I can see is if you do this work hoping to earn lots of money or to be on the cover of Vogue. That would be sad, because you’d be losing youself in the future. It’s a real shame when people regret not having enough money, or having missed a career opportunity, because they are then fixing themselves in the past. It’s very, very sad.” Then staring into her eyes, he repeated: “It’s very, very, very sad because that way we miss out on the present, and the present is marvelous.” She went on to become one of the best-known runway models of her day. For a period of time, one could find mannequins of Sara Kapp in Saks and other epxensive department stores throughout the United States. Her last major modeling contract was as the first Princes Borghese for Revlon. She now works behind the scenes in the fashion industry in Milan.

Some think that money and what it can buy will make them happy and so concentrate on earning it. But acquiring a better car, a nicer house, a better position, or more comfort will never satisfy them, for they are filled with the desire to have more. For example, some people have a passion for cars. It is very important that their car is a good make and the latest model; it has to have good engineering and a quality music system. They grow very emotionally attached to their auto and do not want it to have the slightest dent or scratch. But their satisfaction from driving a nice car does not last long. Soon a new model comes out, and theirs becomes an outdated model. It pains them to read that a faster car with more accessories and more advanced engineering is now on the market, and in an instant moment they lose all the pleasure they had in their once-coveted possession. Also, their wardrobe becomes a major problem for ignorant people. Some people want to follow the latest clothing fashions, even though they may not have enough money to do so. They buy an outfit that they like and find attractive, but stop liking it when it goes out of style or they see it on someone they do not like or, even worse, a rival. The outfit abruptly loses its appeal and becomes a source of irritation. In much the same way, seeing someone wearing nicer clothing than theirs makes them quite miserable. No matter how nice their own outfits are, they are worried that they are no more than ordinary, which makes then unhappy. Their habits, social activities, material means, or possessions will not make them happy, and their constant search for more will make them even more miserable. When they realize that they have really consumed and wasted all of this life’s pleasures, they generally get “angry at life.” Unwilling to solve their problems through belief, they remain mired in confusion and unhappiness. Therefore, in spite of all their efforts, they remain confused and unhappy. However, if they practiced religious morality, they would have a joy deeper than they could imagine.

How do you decide what video game to choose in the vast ocean of online gaming nonsense? There are 100s if not thousands of options permeating the internet. They range from honestly free, pay to win, and all the way up to an actual subscription based model. One of the first decisions you need to make is quite simply, what kind of game do I enjoy? Are you more of a first person shooter type person? If so you will most likely want to ignore role playing games or real time strategies. conversely if you are more of a role playing or real time strategy fan perhaps first person shooters are not for you. Once you have the type of game you are looking for nailed down games the next step: do you want to pay money? This is a big one and a tricky one. So many games out there present themselves as 'free'. I assure you, they are most certainly not free. Think a simple little game like Candy Crush is free? Next time you are in the Google Play or iTunes store Improve WoW PvP check on top grossing apps. You will very quickly change your mind on that. On a more relevant note some games are both free and pay, but maintain a respectful balance. By this I mean you do not HAVE to fork out hard earned cash in order to compete. League of Legends is an amazing example of this. A player cannot obtain any upgrade which will make their character better through monetary expenditures. What you can do; however, is purchase cosmetic items or other no stat gain frill. On the other end of the spectrum you have a game such as the behemoth World of Warcraft. World of Warcraft has managed to maintain a subscription based model for 10 years now. Multiple 'WoW Killers' have risen up since the inception of World of Warcraft using the subscription base as well. Damn near every one of them is now free to play. Rift and Star Wars are the two that really stick out. Leading up to their release forums Wow XP Off PvP Stream across the internet proclaimed them the almighty killer of World of Warcraft. Instead Warcraft kept on trucking and both of those games changed style to f2p not long after their release. These are just a few different games and styles of games for you to choose from. Remember, you get what you pay for in almost every case. (LoL being the exception that proves the rule)

Collateral Capacity or Net Worth? If young Bill Gates had knocked on your door asking you to invest $10,000 in his new company, Microsoft, could you get your hands on the money? Collateral capacity is access to capital. Your net worth is irrelevant if you can’t access any of the money. Collateral capacity is my favorite wealth concept. It’s almost like having a Golden Goose! Collateral can help a borrower secure loans. It gives the lender the assurance that if the borrower defaults on the loan, the lender can repossess the collateral. For example, car loans are secured by cars, and mortgages are secured by homes. Your collateral capacity helps you to avoid or minimize unnecessary wealth transfers where possible, and accumulate an increasing pool of capital providing accessibility, control and uninterrupted compounding. It is the amount of money that you can access through collateralizing a loan against your money, allowing your money to continue earning interest and working for you. It’s very important to understand that accessibility, control and uninterrupted compounding are the key components of collateral capacity. It’s one thing to look good on paper, but when times get tough, assets that you can’t touch or can’t convert easily to cash, will do you little good. Three things affect your collateral capacity: ① The first is contributions into savings and investment accounts that you can access. It would be wise to keep feeding your Golden Goose. Often the lure of higher return potential also brings with it lack of liquidity. Make sure you maintain a good balance between long-term accounts and accounts that provide immediate liquidity and access. ② Second is the growth on the money from interest earned on the money you have in your account. Some assets earn compound interest and grow every year. Others either appreciate or depreciate. Some accounts could be worth a great deal but you have to sell or close them to access the money. That would be like killing your Golden Goose. Having access to money to make it through downtimes is an important factor in sustaining long-term growth. ③ Third is the reduction of any liens you may have against these accounts. As you pay off liens against your collateral positions, your collateral capacity will increase allowing you to access more capital in the future. The goose never quit laying golden eggs – uninterrupted compounding. Years ago, shortly after starting my first business, I laughed at a banker that told me I needed at least $25,000 in my business account in order to borrow $10,000. My business owner friends thought that was ridiculously funny too. We didn’t understand collateral capacity and quite a few other things about money.

During his time working for the head of strategy at the bank in the early 1990s, Musk had been asked to take a look at the company’s third-world debt portfolio. This pool of money went by the depressing name of “less-developed country debt,” and Bank of Nova Scotia had billions of dollars of it. Countries throughout South America and elsewhere had defaulted in the years prior, forcing the bank to write down some of its debt value. Musk’s boss wanted him to dig into the bank’s holdings as a learning experiment and try to determine how much the debt was actually worth. While pursuing this project, Musk stumbled upon what seemed like an obvious business opportunity. The United States had tried to help reduce the debt burden of a number of developing countries through so-called Brady bonds, in which the U.S. government basically backstopped the debt of countries like Brazil and Argentina. Musk noticed an arbitrage play. “I calculated the backstop value, and it was something like fifty cents on the dollar, while the actual debt was trading at twenty-five cents,” Musk said. “This was like the biggest opportunity ever, and nobody seemed to realize it.” Musk tried to remain cool and calm as he rang Goldman Sachs, one of the main traders in this market, and probed around about what he had seen. He inquired as to how much Brazilian debt might be available at the 25-cents price. “The guy said, ‘How much do you want?’ and I came up with some ridiculous number like ten billion dollars,” Musk said. When the trader confirmed that was doable, Musk hung up the phone. “I was thinking that they had to be fucking crazy because you could double your money. Everything was backed by Uncle Sam. It was a no-brainer.” Musk had spent the summer earning about fourteen dollars an hour and getting chewed out for using the executive coffee machine, among other status infractions, and figured his moment to shine and make a big bonus had arrived. He sprinted up to his boss’s office and pitched the opportunity of a lifetime. “You can make billions of dollars for free,” he said. His boss told Musk to write up a report, which soon got passed up to the bank’s CEO, who promptly rejected the proposal, saying the bank had been burned on Brazilian and Argentinian debt before and didn’t want to mess with it again. “I tried to tell them that’s not the point,” Musk said. “The point is that it’s fucking backed by Uncle Sam. It doesn’t matter what the South Americans do. You cannot lose unless you think the U.S. Treasury is going to default. But they still didn’t do it, and I was stunned. Later in life, as I competed against the banks, I would think back to this moment, and it gave me confidence. All the bankers did was copy what everyone else did. If everyone else ran off a bloody cliff, they’d run right off a cliff with them. If there was a giant pile of gold sitting in the middle of the room and nobody was picking it up, they wouldn’t pick it up, either.” In

Many other inhabitants of the city were similarly afflicted. Every day, more and more people took to saving time, and the more they did so, the more they were copied by others - even by those who had no real desire to join in but felt obligated to. Radio, television, and newspapers daily advertised and extolled the merits of new, time saving gadgets that would one day leave people free to live the 'right' kind of life. Walls and billboards were plastered with posters depicting scenes of happiness and prosperity. The real picture, however, was very different. Admittedly, timesavers were better dressed than the people who lived near the old amphitheater. They earned more money and had more to spend, but they looked tired, disgruntled and sour, and there was an unfriendly light in their eyes. They'd never heard the phrase, "Why not go and see Momo?' nor did they have anyone to listen to them in a way that would make them reasonable or conciliatory, let alone happy. Even had they known such a person, they would have been highly unlikely to pay him or her a visit unless the whole affair could be dealt with in five minutes flat, or they would have considered it a waste of time. In their view, even leisure time had to be used to the full, so as to extract the maximum of entertainment and relaxation with the minimum amount of delay. Whatever the occasion, whether solemn or joyous, timesavers could no longer celebrate it properly. Daydreaming they regarded almost as a criminal offense. What they could endure least of all, however, was silence, for when silence fell they became terrified by the realization of what was happening to their lives. And so, whenever silence threatened to descend, they made a noise. It wasn't a happy sound, of course, like the hubbub in a children's playground, but an angry ill tempered din that grew louder every day. It had ceased to matter that people should enjoy their work and take pride in it; on the contrary, enjoyment merely slowed them down. All that mattered was to get through as much work as possible in the shortest possible time, so notices to the effect were prominently displayed in every factory and office building. They read: TIME IS PRECIOUS - DON'T WASTE IT! or: TIME IS MONEY - SAVE IT! Last but not least, the appearance of the city itself changed more and more. Old buildings were pulled down and replaced with modern ones devoid of all the things that were now through superfluous. No architect troubled to design houses that suited the people who were to live in them, because that would have meant building a whole range of different houses. It was far cheaper, and above all, more time saving to make them identical. Huge modern housing developments sprang up on the city's outskirts - endless rows of multi-storied tenements as indistinguishable as peas in a pod. And because all the buildings looked alike, so of course, did the streets. [.....] People never seemed to notice that, by saving time, they were losing something else. No one cared to admit that life was becoming even poorer, bleaker, and more monotonous. The ones who felt this most keenly were the children, because no one had time for them any more. But time is life itself, and life resides in the human heart. And the more people saved, the less they had.

As Frank promised, there was no other public explosion. Still. The multiple times when she came home to find him idle again, just sitting on the sofa staring at the rug, were unnerving. She tried; she really tried. But every bit of housework—however minor—was hers: his clothes scattered on the floor, food-encrusted dishes in the sink, ketchup bottles left open, beard hair in the drain, waterlogged towels bunched on bathroom tiles. Lily could go on and on. And did. Complaints grew into one-sided arguments, since he wouldn’t engage. “Where were you?” “Just out.” “Out where?” “Down the street.” Bar? Barbershop? Pool hall. He certainly wasn’t sitting in the park. “Frank, could you rinse the milk bottles before you put them on the stoop?” “Sorry. I’ll do it now.” “Too late. I’ve done it already. You know, I can’t do everything.” “Nobody can.” “But you can do something, can’t you?” “Lily, please. I’ll do anything you want.” “What I want? This place is ours.” The fog of displeasure surrounding Lily thickened. Her resentment was justified by his clear indifference, along with his combination of need and irresponsibility. Their bed work, once so downright good to a young woman who had known no other, became a duty. On that snowy day when he asked to borrow all that money to take care of his sick sister in Georgia, Lily’s disgust fought with relief and lost. She picked up the dog tags he’d left on the bathroom sink and hid them away in a drawer next to her bankbook. Now the apartment was all hers to clean properly, put things where they belonged, and wake up knowing they’d not been moved or smashed to pieces. The loneliness she felt before Frank walked her home from Wang’s cleaners began to dissolve and in its place a shiver of freedom, of earned solitude, of choosing the wall she wanted to break through, minus the burden of shouldering a tilted man. Unobstructed and undistracted, she could get serious and develop a plan to match her ambition and succeed. That was what her parents had taught her and what she had promised them: To choose, they insisted, and not ever be moved. Let no insult or slight knock her off her ground. Or, as her father was fond of misquoting, “Gather up your loins, daughter. You named Lillian Florence Jones after my mother. A tougher lady never lived. Find your talent and drive it.” The afternoon Frank left, Lily moved to the front window, startled to see heavy snowflakes powdering the street. She decided to shop right away in case the weather became an impediment. Once outside, she spotted a leather change purse on the sidewalk. Opening it she saw it was full of coins—mostly quarters and fifty-cent pieces. Immediately she wondered if anybody was watching her. Did the curtains across the street shift a little? The passengers in the car rolling by—did they see? Lily closed the purse and placed it on the porch post. When she returned with a shopping bag full of emergency food and supplies the purse was still there, though covered in a fluff of snow. Lily didn’t look around. Casually she scooped it up and dropped it into the groceries. Later, spread out on the side of the bed where Frank had slept, the coins, cold and bright, seemed a perfectly fair trade. In Frank Money’s empty space real money glittered. Who could mistake a sign that clear? Not Lillian Florence Jones.

But the man who owned the vineyard said to one of those workers, ‘Friend, I am being fair to you. You agreed to work for one coin. So take your pay and go. I want to give the man who was hired last the same pay that I gave you. I can do what I want with my own money. Are you jealous because I am good to those people?’ “So those who are last now will someday be first, and those who are first now will someday be last.” (20:1–16 NCV) “Do you begrudge my generosity?” the landowner is saying. The answer, of course, is yes, they do. They begrudge it quite a bit. Even though it has no impact on them whatsoever, it offends them. We hate it when we are trying so hard to earn something, and then someone else gets the same thing without trying as hard. Think about this for a moment, in real, “today” terms. Someone gives you a backbreaking job, and you’re happy for it, but at the end of the day, when you’re getting paid, the guys who came in with five minutes left get the same amount you just got. Seriously? It’s imbalanced, unfair, maddening . . . and it’s also exactly what Jesus just said the kingdom of God is like. Not only is it maddening; it’s maddening to the “good” people! Common sense says you don’t do this. You don’t pay latecomers who came in a few minutes ago the same amount that you paid the hardworking folks you hired first. Jesus tells this story, knowing full well that the conscientious ones listening would find this hardest to take. And, as a matter of fact, as a conscientious one, I find this hard to take. I’m just being honest. This story does not fit my style. I’m all about people getting what they deserve. Oh, it’s offensive, too, when Jesus turns to a guy who’s being executed next to Him, and tells him, “Today, you will be with me in paradise” (Luke 23:43). What did the guy do to deserve that? He did nothing. If you call yourself a Christian, and you want things to be fair, and you want God’s rewards given out only to the deserving and the upstanding and the religious, well, honestly, Jesus has got to be a complete embarrassment to you. In fact, to so many upstanding Christians, He is. He has always been offensive, and remains offensive, to those who seek to achieve “righteousness” through what they do. Always. People who’ve grown up in church (like me) are well acquainted with the idea that Jesus is our “cornerstone.” He’s the solid rock of our faith. Got it. Not controversial. It’s well-known. But what’s not so talked about: That stone, Jesus, causes religious people to stumble. And that rock is offensive to “good” people: So what does all this mean? Those who are not Jews were not trying to make themselves right with God, but they were made right with God because of their faith. The people of Israel tried to follow a law to make themselves right with God. But they did not succeed, because they tried to make themselves right by the things they did instead of trusting in God to make them right. They stumbled over the stone that causes people to stumble. (Rom. 9:30–32 NCV) And then Paul says something a couple verses later that angers “good Christians” to this day: Because they did not know the way that God makes people right with him, they tried to make themselves right in their own way. So they did not accept God’s way of making people right. Christ ended the law so that everyone who believes in him may be right with God. (Rom. 10:3–4 NCV) It’s not subtle, what Paul’s writing here. For anyone who believes in Him, Jesus ended the law as a means to righteousness. Yet so many think they can achieve—even have achieved—some kind of “good Christian” status on the basis of the rule-keeping work they’ve done. They suspect they’ll do good things and God will owe them for it, like payment for a job well done. Paul says, in effect, if you think you should get what you earn, you will . . . and you don’t want that.

In their spare time Feynman and Welton used the same machines to earn money through a Depression agency, the National Youth Administration, calculating the atomic lattices of crystals for a professor who wanted to publish reference tables. They worked out faster methods of running the calculator. And when they thought that they had their system perfected, they made another calculation: how long it would take to complete the job. The answer: seven years. They persuaded the professor to set the project aside.

Mammachi had a separate entrance built for Chacko’s room, which was at the eastern end of the house, so that the objects of his “Needs” wouldn’t have to go traipsing through the house. She secretly slipped them money to keep them happy. They took it because they needed it. They had young children and old parents. Or husbands who spent all their earnings in toddy bars. The arrangement suited Mammachi, because in her mind, a fee clarified things. Disjuncted sex from love. Needs from Feelings. Margaret Kochamma, however, was a different kettle of fish altogether. Since she had no means of finding out (though she did once try to get Kochu Maria to examine the bedsheets for stains), Mammachi could only hope that Margaret Kochamma was not intending to resume her sexual relationship with Chacko. While Margaret Kochamma was in Ayemenem, Mammachi managed her unmanageable feelings by slipping money into the pockets of the dresses that Margaret Kochamma left in the laundry bin. Margaret Kochamma never returned the money simply because she never found it. Her pockets were emptied as a matter of routine by Aniyan the dhobi. Mammachi knew this, but preferred to construe Margaret Kochamma’s silence as a tacit acceptance of payment for the favors Mammachi imagined she bestowed on her son. So Mammachi had the satisfaction of regarding Margaret Kochamma as just another whore, Aniyan the dhobi was happy with his daily gratuity, and of course Margaret Kochamma remained blissfully unaware of the whole arrangement. (161)

Anything acquired without effort, and without cost is generally unappreciated, often discredited; perhaps this is why we get so little from our marvelous opportunity in public schools. The SELF-DISCIPLINE one receives from a definite programme of specialized study makes up to some extent, for the wasted opportunity when knowledge was available without cost. Correspondence schools are highly organized business institutions. Their tuition fees are so low that they are forced to insist upon prompt payments. Being asked to pay, whether the student makes good grades or poor, has the effect of causing one to follow through with the course when he would otherwise drop it. The correspondence schools have not stressed this point sufficiently, for the truth is that their collection departments constitute the very finest sort of training on DECISION, PROMPTNESS, ACTION and THE HABIT OF FINISHING THAT WHICH ONE BEGINS. I learned this from experience, more than twenty-five years ago. I enrolled for a home study course in Advertising. After completing eight or ten lessons I stopped studying, but the school did not stop sending me bills. Moreover, it insisted upon payment, whether I kept up my studies or not. I decided that if I had to pay for the course (which I had legally obligated myself to do), I should complete the lessons and get my money's worth. I felt, at the time, that the collection system of the school was somewhat too well organized, but I learned later in life that it was a valuable part of my training for which no charge had been made. Being forced to pay, I went ahead and completed the course. Later in life I discovered that the efficient collection system of that school had been worth much in the form of money earned, because of the training in advertising I had so reluctantly taken.

Anything acquired without effort, and without cost is generally unappreciated, often discredited; perhaps this is why we get so little from our marvelous opportunity in public schools. The SELF-DISCIPLINE one receives from a definite programme of specialized study makes up to some extent, for the wasted opportunity when knowledge was available without cost. Correspondence schools are highly organized business institutions. Their tuition fees are so low that they are forced to insist upon prompt payments. Being asked to pay, whether the student makes good grades or poor, has the effect of causing one to follow through with the course when he would otherwise drop it. The correspondence schools have not stressed this point sufficiently, for the truth is that their collection departments constitute the very finest sort of training on DECISION, PROMPTNESS, ACTION and THE HABIT OF FINISHING THAT WHICH ONE BEGINS. I learned this from experience, more than twenty-five years ago. I enrolled for a home study course in Advertising. After completing eight or ten lessons I stopped studying, but the school did not stop sending me bills. Moreover, it insisted upon payment, whether I kept up my studies or not. I decided that if I had to pay for the course (which I had legally obligated myself to do), I should complete the lessons and get my money's worth. I felt, at the time, that the collection system of the school was somewhat too well organized, but I learned later in life that it was a valuable part of my training for which no charge had been made. Being forced to pay, I went ahead and completed the course. Later in life I discovered that the efficient collection system of that school had been worth much in the form of money earned, because of the training in advertising I had so reluctantly taken. We have in this country what is said to be the greatest public school system in the world. We have invested fabulous sums for fine buildings, we have provided convenient transportation for children living in the rural districts, so they may attend the best schools, but there is one astounding weakness to this marvelous system-IT IS FREE! One of the strange things about human beings is that they value only that which has a price. The free schools of America, and the free public libraries, do not impress people because they are free. This is the

21. THE HABIT OF INDISCRIMINATE SPENDING. The spend-thrift cannot succeed, mainly because he stands eternally in FEAR OF POVERTY. Form the habit of systematic saving by putting aside a definite percentage of your income. Money in the bank gives one a very safe foundation of COURAGE when bargaining for the sale of personal services. Without money, one must take what one is offered, and be glad to get it. 22. LACK OF ENTHUSIASM. Without enthusiasm one cannot be convincing. Moreover, enthusiasm is contagious, and the person who has it, under control, is generally welcome in any group of people. 23. INTOLERANCE. The person with a "closed" mind on any subject seldom gets ahead. Intolerance means that one has stopped acquiring knowledge. The most damaging forms of intolerance are those connected with religious, racial, and political differences of opinion. 24. INTEMPERANCE. The most damaging forms of intemperance are connected with eating, strong drink, and sexual activities. Overindulgence in any of these is fatal to success. 25. INABILITY TO COOPERATE WITH OTHERS. More people lose their positions and their big opportunities in life, because of this fault, than for all other reasons combined. It is a fault which no well-informed business man, or leader will tolerate. 26. POSSESSION OF POWER THAT WAS NOT ACQUIRED THROUGH SELF EFFORT. (Sons and daughters of wealthy men, and others who inherit money which they did not earn). Power in the hands of one who did not acquire it gradually, is often fatal to success. QUICK RICHES are more dangerous than poverty. 27. INTENTIONAL DISHONESTY. There is no substitute for honesty. One may be temporarily dishonest by force of circumstances over which one has no control, without permanent damage. But, there is NO HOPE for the person who is dishonest by choice. Sooner or later, his deeds will catch up with him, and he will pay by loss of reputation, and perhaps even loss of liberty. 28. EGOTISM AND VANITY. These qualities serve as red lights which warn others to keep away. THEY ARE FATAL TO SUCCESS. 29. GUESSING INSTEAD OF THINKING. Most people are too indifferent or lazy to acquire FACTS with which to THINK ACCURATELY. They prefer to act on "opinions" created by guesswork or snap-judgments. 30. LACK OF CAPITAL. This is a common cause of failure among those who start out in business for the first time, without sufficient reserve of capital to absorb the shock of their mistakes, and to carry them over until they have established a REPUTATION. 31. Under this, name any particular cause of failure from which you have suffered that has not been included in the foregoing list.

they do not see the ways in which the majority of the institutions that frame their coming of age journeys are steeped in therapeutic ideology. Their schools, for example, may appear to them as sites of betrayal that act against their interests; but they learn the therapeutic language through school psychologists and social workers that teach them to take responsibility for managing their emotions. Similarly, while the state may confront them as heartless and cold, whether stealing their hard-earned money or failing to protect their families, its subsidized alcohol and drug recovery programs or support groups reinforce the language of individual empowerment through accepting sole responsibility for one’s self (Nolan 1998). Through everyday interactions and practices, these institutions foster a culture of neoliberalism outside the economic sphere (see Illouz 2007) which I argue is central to reproducing social inequality and exploitation at the most intimate level of the self.

Retirement Lifestyle Planning There are four (4) major financial questions that you must be able to answer in order to know if your current or future plan will work for you. What rate of return do you have to earn on your savings and investment dollars to be able to retire at your current standard of living and have your money last through your life expectancy? How much do you need to save on a monthly or annual basis to be able to retire at your current standard of living and your money last your life expectancy? Doing what you are currently doing, how long will you have to work to be able to retire and live your current lifestyle till life expectancy? If you don’t do anything different than you are doing today, how much will you have to reduce your standard of livingat retirement for your money to last your life expectancy? Motto for Retirement Lifestyle Planning A solid financial plan is a powerful possession that offers a sense of peace and freedom. Our process allows us to determine appropriate strategies and help you understand how to achieve your goals and live your dreams. Our process stresses informed financial decision making. We encourage you to review all decisions with your team of tax and legal professionals. For the record, we are not tax or legal professionals and this information is not intended as tax or legal advice. Now we’d like to remind you that a well-executed financial plan requires diverse knowledge and utilizes some or all of the following strategies and services: -Retirement Lifestyle Planning Making the most of your employer-sponsored retirement plans and IRAs. Determining how much you need to retire comfortably. Managing assets before and during retirement including Social Security analysis. -Estate Planning Referring you to qualified Estate Attorneys to review your wills and trusts to help preserve your estate for your intended heirs by helping with beneficiary designations. Reducing exposure to estate taxes and probate costs. Coordinating with your tax and legal advisors. -Tax Management Helping to reduce your current and future tax burden by considering multiple strategies for review by your tax professional.Also, referring you to qualified tax specialists if needed. -Legacy Planning/Charitable Planning Creating a solid future for generations to come by ensuring that your legacy will live on through those you love or causes you care deeply about. -Risk Management Reviewing existing insurance policies. Recommending policy changes when appropriate. Finding the best policy for your individual wants and needs. -Investment Planning Determining your asset allocation needs. Helping you understand your risk tolerance. Recommending the appropriate investment vehicles to help you reach and exceed your goals.

Your Personal Economic Model One tool we use when discussing the best course of action to secure your financial future is the Personal Economic Model®. Just as a medical doctor would use an anatomical model to convey medical concepts, we use the following model to convey financial concepts. This model offers a visual representation of the way money flows through your hands. On the left, you will notice the Lifetime Capital Potential tank, which illustrates that the amount of money you will control during your lifetime is both large, as well as finite. Most people are shocked to see how much money can flow through their hands in their lifetime. Once earned, your money flows directly to the Tax Filter where the state and federal governments take tax dollars owed from your paycheck. The after tax dollars are then directed to either your Current Lifestyle or your Future Lifestyle. Your management of the Lifestyle Regulator determines where these dollars go. Regulating the cash flow between your current lifestyle desires and your future lifestyle requirements may be the most important financial decision you will ever make. Here’s why. Each and every dollar that is allowed to flow through to your Current Lifestyle is consumed and gone forever. The goal is to accumulate enough money in the Savings and Investment tanks so that when you retire, the dollars in those tanks can be used to pay for your future lifestyle requirements. Retirement planning seems hard for most people to do but it is not rocket science. The best position, position A, would be to have enough in the tanks so that you can live in the future like you live today adjusted for inflation and have your money last at least to your life expectancy. That’s a win, but the icing on the cake would be to accomplish that with little to no impact on your present standard of living, and that is exactly what we strive to help our clients to do. Working with us can help you with the following: Optimize the balance between your Current and Future Lifestyles Identify inefficiencies in your current personal economic model (where are you losing money) Design, implement, and execute a plan to secure your financial future Limit the impact on your Current Lifestyle dollars (maintain your current standard of living)

When you earn wealth by doing things that are not conducive to the society, you pay from your happiness account. People, who are doing illegal or immoral things in their professions, are constantly depleting their happiness account. Thieves, dacoits, fraudsters and corrupt people can make huge amounts of illegal money through elicit activities. However, they have to pay spiritually by losing their happiness and suffering from inner guilt throughout their lives.

Michelle Phan grew up in California with her Vietnamese parents. The classic American immigrant story of the impoverished but hardworking parents who toil to create a better life for the next generation was marred, in Phan’s case, by her father’s gambling addiction. The Phan clan moved from city to city, state to state, downsizing and recapitalizing and dodging creditors and downsizing some more. Eventually, Phan found herself sleeping on a hard floor, age 16, living with her mother, who earned rent money as a nail salon worker and bought groceries with food stamps. Throughout primary and secondary school, Phan escaped from her problems through art. She loved to watch PBS, where painter Bob Ross calmly drew happy little trees. “He made everything so positive,” Phan recalls. “If you wanted to learn how to paint, and you wanted to also calm down and have a therapeutic session at home, you watched Bob Ross.” She started drawing and painting herself, often using the notes pages in the back of the telephone book as her canvas. And, imitating Ross, she started making tutorials for her friends and posting them on her blog. Drawing, making Halloween costumes, applying cosmetics—the topic didn’t matter. For three years, she blogged her problems away, fancying herself an amateur teacher of her peers and gaining a modest teenage following. This and odd jobs were her life, until a kind uncle gave her mother a few thousand dollars to buy furniture, which was used instead to send Phan to Ringling College of Art and Design. Prepared to study hard and survive on a shoestring, Phan, on her first day at Ringling, encountered a street team which was handing out free MacBook laptops, complete with front-facing webcams, from an anonymous donor. Phan later told me, with moist eyes, “If I had not gotten that laptop, I wouldn’t be here today.

All of our savings were consumed in the effort to bring my dog over. Steve loved Sui so much that he understood completely why it was worth it to me. The process took forever, and I spent my days tangled in red tape. I despaired. I loved my life and I loved the zoo, but there were times during that desperate first winter when it seemed we were fighting a losing battle. Then our documentaries started to air on Australian television. The first one, on the Cattle Creek croc rescue, caused a minor stir. There was more interest in the zoo, and more excitement about Steve as a personality. We hurried to do more films with John Stainton. As those hit the airwaves, it felt like a slow-motion thunderclap. Croc Hunter fever began to take hold. The shows did well in Sydney, even better in Melbourne, and absolutely fabulous in Brisbane, where they beat out a long-running number one show, the first program to do so. I believe we struck a chord among Australians because Steve wasn’t a manufactured TV personality. He actually did head out into the bush to catch crocodiles. He ran a zoo. He wore khakis. Among all the people of the world, Australians have a fine sense of the genuine. Steve was the real deal. Although the first documentary was popular and we were continuing to film more, it would be years before we would see any financial gain from our film work. But Steve sat down with me one evening to talk about what we would do if all our grand plans ever came to fruition. “When we start to make a quid out of Crocodile Hunter,” he said, “we need to have a plan.” That evening, we made an agreement that would form the foundation of our marriage in regard to our working life together. Any money we made out of Crocodile Hunter--whether it was through documentaries, toys, or T-shirts (we barely dared to imagine that our future would hold spin-offs such as books and movies)--would go right back into conservation. We would earn a wage from working at the zoo like everybody else. But everything we earned outside of it would go toward helping wildlife, 100 percent. That was our deal. As a result of the documentaries, our zoo business turned from a trickle to a steady stream. Only months earlier, a big day to us might have been $650 in total receipts. When we did $3,500 worth of business one Sunday, and then the next Sunday upped that record to bring in $4,500, we knew our little business was taking off. Things were going so well that it was a total shock when I received a stern notice from the Australian immigration authorities. Suddenly it appeared that not only was it going to be a challenge to bring Shasta and Malina to my new home of Australia, I was encountering problems with my own immigration too. Just when Steve and I had made our first tentative steps to build a wonderful life together, it looked as though it could all come tumbling down.

The closer we try to get to God, the more we will hate to sin in our own lives, the more we are saddened by the thoughts that runs through our minds. I also think that the more we draw closer to God, the more God will honour us and will open doors for the right things to happen in our life.

The world is full of problems and I bet you the problems will continue to exist but what will make you relevant to the world is when you have answers to the questions the world asks. You can only be useful when you have the answers to the questions of the world. The best way you provide solutions and answers to those challenges is through wisdom.

Smoking: Your Money, Up in Smoke A decision about $3 million is a big deal, even to the richest among us. The decision to smoke cigarettes is even bigger. Here's how: A pack-a-day smoker will spend about $2,000 a year on cigarettes, which is $5.50 a pack times 365 days in a year. If that person smokes from age 18 through age 65 and the price of cigarettes never goes up, he will have spent $96,000 on cigarettes. That sounds like a lot—that is, until you examine the opportunity cost, or what else he could have done with his cigarette money. If he instead put that $2,000 a year in a Roth Individual Retirement Account (IRA) that earned an 11 percent return, he would accumulate $3 million in tax-free cash at age 65. Three million dollars!

Dads earned money and kept you fed and clothed and drove you around the place, but mums wrapped their bodies around yours and made you feel safe. Mums were the ones who cried when you cried, but loved your tears all the same because they had the power to make them go away. Mums were there in the night, when dark, twisting fears were wrapping themselves around you. Mums were the ones who lay down close and whispered stories about riding through tropical forests on blue elephants. Mums were the ones who could put their hands on your bare bum and bite your neck and nobody would think it at all unusual. Not fair! He

Nick implied the job pays crap, so they can’t expect me to be some sort of art professor, right?” She paused when the bartender appeared with a bottle of beer and a slender fluted glass of champagne. The bubbles streaming upward through the pale liquid reminded him of Emma’s personality: round and fizzy, rising as high as they could go. He felt like shit. “Of course, I still need to find a place to live,” Emma said after taking a sip of her drink. “But as long as I have a place to work, I’m good. I can always buy a tent.” “You don’t have to buy a tent,” he said curtly. “Just joking.” She reached across the table and gave his hand a gentle squeeze. “But at least now I don’t have to worry about finding a place to live where I can also work.” He drank some beer straight from the bottle, relishing its sour flavor. Closing his eyes, he pictured that small, windowless room in the community center, its linoleum floor, its cinderblock walls, its sheer ugliness. She was thrilled because she thought it was her only option. But it wasn’t. “Look, Emma—if you want, I’ll take my house off the market. I don’t have to get rid of it. If you want to continue to live there…” She’d raised her champagne flute to her lips, but his words clearly startled her enough to make her lower the glass and gape at him. “But you came to Brogan’s Point to sell the house.” “It can wait.” “And I can’t keep teaching there. You said so yourself. There are those nasty zoning laws. And insurance issues, and liability. All that legal stuff.” She pressed her lips together, effectively smothering her radiant smile. “Taking the room at the community center means I’ll be able to teach there this summer in Nick’s program. So I’ll earn a little more money and maybe make contact with more people who might want to commission Dream Portraits.” She shook her head. “I can make it work.” “You could make it work in my house, too. Stay. Stay as long as you want. We’re not a landlord and tenant anymore. We’ve gone beyond that, haven’t we?” She stared at him, suddenly wary. “What do you mean?” He wasn’t sure what was troubling her. “Emma. We’ve made love. Several times.” Several spectacular times, he wanted to add. “You can stay on in the house. Forget about the rent. That’s the least I owe you.” Her expression went from wary to deflated, from deflated to suspicious. Her voice was cool, barely an inch from icy. “You don’t owe me anything, Max—unless you want to pay me for your portrait. I can’t calculate the cost until I figure out what the painting will…entail.” She seemed to trip over that last word, for some reason. “But as far as the house… I don’t need you to do that.” “Do what? Take it off sale? It isn’t even on sale yet.” “You don’t have to let me stay on in the house because we had sex. I didn’t make love with you because I wanted something in return. You don’t owe me anything.” She sighed again. The fireworks vanished from her eyes, extinguished

Give to friends who do amazing jobs but who earn very little, give to charities that move you, give to those the world overlooks, give as your heart tells you - and learn to listen to it. And by all means live a great life yourself along the way - why not? You have worked hard for it, paid your taxes and you deserve it. The main thing to remember, though, is to keep giving lots of money away as well. If you do, then, in return, it will do many things for you… This attitude will ensure that money never makes a slave of you - it will keep you in control of it, rather than it controlling you. It will ensure that you treat money as a resource given to you to allow you to improve your life and those you have the power to touch around you. Always use it accordingly. It will ensure you keep light fingers with regard to money matters - which means that you don’t care too much about holding on to it, and you can let it pass through your hands easily to those in more need. Remember: the process of giving will always benefit you more than the extra funds themselves ever can. There is a powerful parable in the Gospels of Mark and John, where Jesus and his disciples watch the people arrive at the temple and make their donations. Many make a big show of offering large sums, a spectacle for all to admire. But then an old widow quietly offers two of the smallest coins in circulation at that time, called mites. Jesus explains to his followers that the widow’s contribution of two mites, though small in financial terms, means more to God than the larger donations. The parable reminds us that it isn’t about the amount, it’s about the spirit. The old widow got it right, and the real legacy of her giving has endured far beyond any amount of money ever could. So build for eternity, not for the temporary - and always give with this in mind.

when you are earning money by doing what you don’t particularly like, there will be an urgent need to buy pleasure and happiness, from the acquired money to justify the pain and suffering you are going through in your work. The more is the suffering in earning the wealth, the greater is the desire of enjoying pleasure from the money so earned.

Tube Mastery And Monetization course help you kick start your YouTube channel from scratch and earn a handsome income out of it What is YouTube Monetization Course? Youtube Mastery and Monetization For Begginers teaches how to start, grow, and monetize a hyper-profitable YouTube channel from complete scratch. It doesn't matter if you don't have any tech skills or any previous business experience , as long as you have a heart to learn YouTube monetizes videos via pre-roll, display, and other advertising formats. Advertisers pay based on clicks and impressions. YouTube gives the content creator 55% of this revenue and takes 45% for itself. Content creators must adhere to advertising guidelines. Matt Par, a successful 20-year-old You Tuber, has been creating engaging content since 2014 and has received multiple silver play buttons along with a gold play button. Matt runs 9 successful YouTube channels, all with diverse content. To start earning money directly from YouTube, creators must have at least 1,000 subscribers and 4,000 watch hours in the past year. Once they reach that threshold, they can apply for YouTube's Partner Program, which allows creators to start monetizing their channels through ads, subscriptions, and channel memberships.For more detail message me

Her Husband Comes home dull with coal-dust deliberately To grime the sink and foul towels and let her Learn with scrubbing brush and scrubbing board The stubborn character of money. And let her learn through what kind of dust He has earned his thirst and the right to quench it And what sweat he has exchanged for his money And the blood-weight of money. He'll humble her With new light on her obligations. The fried, woody chips, kept warm two hours in the oven, Are only part of her answer. Hearing the rest, he slams them to the fire back And is away round the house-end singing 'Come back to Sorrento' in a voice Of resounding corrugated iron. Her back has bunched into a hump as an insult. For they will have their rights. Their jurors are to be assembled From the little crumbs of soot. Their brief Goes straight up to heaven and nothing more is heard of it.

It cannot be pursued in the usual ways. It is not something you can buy with money, earn through good behavior, or attain through the heat of drama and risk.

The real earning of your life will not be in money, fame or position, but in the life-lessons that you have learned through practical means.

To begin the discussion of the Tipping Point, I’ll start with a prominent strategy, “Invite-Only,” that is often used to suck in a large network through viral growth. Another method to tip over a market is with a “Come for the Tool, Stay for the Network” strategy. Take Dropbox, for instance, which is initially adopted by many people for file backup and keeping files synced up between work and home computers—this is the tool. But eventually, a more advanced and stickier use case emerges to share folders with colleagues—this is the network. And if that doesn’t work, some products can always just spend money to build out their network, with a strategy of just “Paying Up for Launch.” For many networked products that touch transactions like marketplaces, teams can just subsidize demand and spend millions to stimulate activity, whether that’s in paying content creators for your social network, or subsidizing driver earnings in rideshare. If the hard side of the network isn’t yet activated, a team can just fill in their gaps themselves, using the technique of “Flintstoning”—as Reddit did, submitting links and content until eventually adding automation and community features for scale. In the end, all of these strategies require enormous creativity. And to close out the Tipping Point section of the book, I introduce Uber’s core ethos of “Always Be Hustlin’”—describing the creativity and decentralized set of teams, all with its own strategies that were localized to each region. Sometimes adding the fifth or one hundredth network requires creativity, product engagements, and tactical changes. In the goal of reaching the Tipping Point, teams must be fluid to build out a broad network of networks.

21. The habit of indiscriminate spending. The spendthrift cannot succeed, mainly because he stands eternally in fear of poverty. Form the habit of systematic saving by putting aside a definite percentage of your income. Money in the bank gives one a very safe foundation of courage when bargaining for the sale of personal services. Without money, one must take what one is offered, and be glad to get it. 22. Lack of enthusiasm. Without enthusiasm one cannot be convincing. Moreover, enthusiasm is contagious, and the person who has it, under control, is generally welcome in any group of people. 23. Intolerance. The person with a closed mind on any subject seldom gets ahead. Intolerance means that one has stopped acquiring knowledge. The most damaging forms of intolerance are those connected with religious, racial, and political differences of opinion. 24. Intemperance. The most damaging forms of intemperance are connected with eating, strong drink, and sexual activities. Over-indulgence in any of these is fatal to success. 25. Inability to cooperate with others. More people lose their positions and their big opportunities in life, because of this fault, than for all other reasons combined. It is a fault which no well-informed businessman or leader will tolerate. 26. Possession of power that was not acquired through self effort. (Sons and daughters of wealthy men, and others who inherit money which they did not earn). Power in the hands of one who did not acquire it gradually is often fatal to success. Quick riches are more dangerous than poverty. 27. Intentional dishonesty. There is no substitute for honesty. One may be temporarily dishonest by force of circumstances over which one has no control, without permanent damage. But, there is no hope for the person who is dishonest by choice. Sooner or later, his deeds will catch up with him, and he will pay by loss of reputation, and perhaps even loss of liberty. 28. Egotism and vanity. These qualities serve as red lights which warn others to keep away. They are fatal to success. 29. Guessing instead of thinking. Most people are too indifferent or lazy to acquire facts with which to think accurately. They prefer to act on “opinions” created by guesswork or snap-judgments. 30. Lack of capital. This is a common cause of failure among those who start out in business for the first time, without sufficient reserve of capital to absorb the shock of their mistakes, and to carry them over until they have established a reputation. 31. Under this, name any particular cause of failure from which you have suffered that has not been included in the foregoing list.

Earn money, make friends, find a partner, buy a house, go on vacations, complain, have fun, complain, have more fun, complain again, pay the bills, try to get ahead, pursue a dream or two, more vacations, pay more bills, more house, more car, try to get along with my family—you get the picture. I mean, it’s what everyone else was doing, so why not? It’s probably a lot like yours too.

where a = accumulated future value, p = principal or present value, r = rate of return in percentage terms, and n = number of compounding periods. All too often, management teams focus on the r variable in this equation. They seek instant gratification, with high profit margins and high growth in reported earnings per share (EPS) in the near term, as opposed to initiatives that would lead to a much more valuable business many years down the line. This causes many management teams to pass on investments that would create long-term value but would cause “accounting numbers” to look bad in the short term. Pressure from analysts can inadvertently incentivize companies to make as much money as possible off their present customers to report good quarterly numbers, instead of offering a fair price that creates enduring goodwill and a long-term win–win relationship for all stakeholders. The businesses that buy commodities and sell brands and have strong pricing power (typically depicted by high gross margins) should always remember that possessing pricing power is like having access to a large amount of credit. You may have it in abundance, but you must use it sparingly. Having pricing power doesn’t mean you exercise it right away. Consumer surplus is a great strategy, especially for subscription-based business models in which management should primarily focus on habit formation and making renewals a no-brainer. Most businesses fail to appreciate this delicate trade-off between high short-term profitability and the longevity accorded to the business through disciplined pricing and offering great customer value. The few businesses that do understand this trade-off always display “pain today, gain tomorrow” thinking in their daily decisions.

After all, the Fed has driven down rates with the intention of encouraging investors to take on more risk. Yet those who embrace low yields, poor credits, thin liquidity and even currency mismatches today may discover, when market conditions deteriorate, that the modest yield pick-up proves poor compensation for future losses. Mr. Piketty can rest easy. In an age when risk-free assets yield little or nothing, the determination of the wealthy to earn somewhat more will, in due course, do more to restore equality than his proposed taxes. A free market solution to a political problem–who says capitalism is failing?

While the case for long-term investment has tended to centre around simple mathematical advantages such as reduced (frictional) costs and fewer decisions leading (hopefully) to fewer mistakes, the real advantage to this approach, in our opinion, comes from asking more valuable questions. The short-term investor asks questions in the hope of gleaning clues to near-term outcomes: relating typically to operating margins, earnings per share and revenue trends over the next quarter, for example. Such information is relevant for the briefest period and only has value if it is correct, incremental, and overwhelms other pieces of information. Even when accurate, the value of the information is likely to be modest, say, a few percentage points in performance. In order to build a viable, economically important track record, the short-term investor may need to perform this trick many thousands of times in a career and/ or employ large amounts of financial leverage to exploit marginal opportunities. And let’s face it, the competition for such investment snippets is ferocious. This competition is fed by the investment banks. Wall Street relies heavily on promoting client myopia to earn its crust. Why

The longer one owns the shares, however, the more important the firm’s underlying economics will be to performance results. Long-term investors therefore seek answers with shelf life. What is relevant today may need to be relevant in ten years’ time if the investor is to continue owning the shares. Information with a long shelf life is far more valuable than advance knowledge of next quarter’s earnings. We seek insights consistent with our holding period. These principally relate to capital allocation, which can be gleaned from examining the company’s advertising, marketing, research and development spending, capital expenditures, debt levels, share repurchase/ issuance, mergers and acquisitions and so forth.

Trading is not the path to free money; profits must be earned through homework, discipline, courage, patience, and perseverance in the markets.” – Rich Trader

Compared to a conventional debt instrument, what makes securitization so attractive is the fact that the airline often retains the junior tranches. These become an asset on its balance sheet. Any discount associated with the low credit rating of these layers is more than offset by the discount on the purchase of the aircraft, thereby creating an immediate profit and cash inflow on delivery of the aircraft. Such are the wonders of modern financial alchemy. Under good, even normal, business conditions, the airline makes lease payments to the securitization vehicle. But in a recession or a bankruptcy filing, when payments are suspended, the owners of the senior strata are able to seize the collateral. The junior participants in the securitization have no rights, and any such assets on the airline’s balance sheet must be written down to zero, further increasing the airline’s losses. By this clever piece of financial engineering, the airline gets shiny new planes for an extremely low cost of funds–recently as low as 6 per cent–while equity shareholders carry nearly all of the business risk. That an industry which has rarely earned an acceptable return on capital should have access to such cheap capital is quite astonishing.

His job was to take the boat down the Mississippi, booking the show and renting show grounds along the way. The idea was to earn money on the trip south, arriving in New Orleans in time to open just before Christmas and play through the spring. Haslam, though

Overall, it was a pretty good trading strategy. He made money in two out of three possible scenarios. If bond prices went down, he made a lot of money. If the market stayed the same, he earned free interest on the cash. If the Treasury market rallied, he risked a pretty big loss. And guess what? Between February 1982 and May 1982, the Treasury market reversed its decline and started to rally. This was the one chance in three that he wasn’t hoping for. When the May 15, 1982, coupon interest payments were due on a Monday, Drysdale was wiped out and didn’t have enough money to make the payments. That Sunday evening, Heuwetter called Drysdale's clearing bank, Chase Manhattan, and informed them that "we may have a problem" meeting the $160 million interest payment due the next day. Could Chase possibly lend Drysdale $200 million to tide them over? What he didn’t tell them was that, yes, the market rally had wiped them out, but the problem was even worse than that. Drysdale had conducted its Repo trading mostly through Chase's Securities Lending Department.

Most people believe, “My lifestyle is about the same every month. Our savings are fixed. We make a salary, so what we earn is fixed. And lastly, what we spend is fixed.” But the truth is that no one reading this book has a robotic life filled with endless repeating loops where they get paid the exact same amount of money every single month for decades on end. We all have fluctuations in our income.

We’re conditioned that our success (and our neighbor’s) is best measured by looking at our possessions. Those possessions influence perception, and because a certain perception earns us status, we chase the proof of wealth rather than wealth itself.

So you’ve made it to goal weight. Of course, the way we as a society typically celebrate big accomplishments is through eating food—big or fancy meals, desserts, freely flowing alcohol. So we need to find a different way to celebrate our successes! One of the best ways to celebrate is to pause, appreciating the effort and perseverance you put into creating your new body and managed mind. It’s so easy to reach a hard-earned goal, only to brush right past it on your way to taking on the next big goal. So take a beat and recognize yourself for doing the work to create a result that most people simply dream of. Depending on how much weight you lost, it might be time to purchase some new clothes. While this can be extremely fun and exciting for some people, for others, participating in a shopping spree sounds like a nightmare. Many women are afraid to let themselves buy new clothing as they lose weight, both while in progress and at the end. They don’t want to spend money on clothes when they have more weight to lose since it can feel like a waste to buy a size that you’re hoping not to fit into in another month or two. But one way for you to honor and respect yourself and your body is to wear clothes that properly fit you at every size along the way. They don’t have to be expensive and you don’t have to fill your entire closet—in fact, my clients have often passed down work clothes that were still in good condition to one another for free! Regardless of where you get it from, make sure your clothing fits your current body well, and decide ahead of time that you’ll donate the clothes or give them to friends once you’ve moved beyond that size.

In the forest of material existence, the uncontrolled senses are like plunderers. The conditioned soul may earn some money for the advancement of Kṛṣṇa consciousness, but unfortunately the uncontrolled senses plunder his money through sense gratification. The senses are plunderers because they make one spend his money unnecessarily for seeing, smelling, tasting, touching, hearing, desiring and willing. In this way the conditioned soul is obliged to gratify his senses, and thus all his money is spent. This money is actually acquired for the execution of religious principles, but it is taken away by the plundering senses. PURPORT Pūrva janmārjitā vidyā pūrva janmārjitaṁ dhanaṁ agre dhāvati dhāvati.

Financial freedom is not earned overnight; it’s built through disciplined choices made every day.

Formed in 1950, Diners’ Club initiated the first universal restaurant charge card that prominent New York restaurants would accept. Cardholders charged for a meal, and the restaurant collected from the Club less a 5%–10% discount (which restaurants were willing to accept since cardholders typically spent more than those paying with cash on hand). Diners’ Club paid the restaurant and had to collect from cardholders. In the 1950s, credit cards took off in the United States. There were cards for specific companies as well as universal travel and entertainment charge cards.244 American Express debated the merits of creating a card. But by the 1950s, the company’s executives realized that people were using the cards for travel-related services, posing a risk for the travelers cheque. Furthermore, the money order business was becoming less important, with the rise of personal checking accounts stealing business away from money orders. The company finally decided it would be better for American Express to protect itself by making its own card rather than lose all that business.245 American Express debated entering the business by acquiring Diners’ Club. After that deal fell through, American Express decided to go forward by launching its own American Express Credit Card in 1958. The American Express Credit Card was, in reality, a charge card, not a credit card. The latter had a revolving line of credit whose balance could be carried over from month to month. While technically still an extension of credit, the charge card required all outstanding balances to be paid in full each month.246,247 Before launching, American Express reached a deal with the American Hotel Association, providing Amex with 150,000 cardholders and 4,500 participating hotels. American Express then bought 40,000 members from the Gourmet card.248 And when rumors spread that American Express was thinking of starting a card, people wanted in. In contrast to the banks, who literally had to mass-mail cards to people when they rolled out their offerings (a practice made illegal in 1970), people flocked to American Express.249 The brand, whose image had evolved from a guard dog to ‘the guardian of Rome,’ the centurion, had now become a status symbol.

In fact, Stutzer and Frey found that a person with a one-hour commute has to earn 40 percent more money to be as satisfied with life as someone who walks to the office. On the other hand, for a single person, exchanging a long commute for a short walk to work has the same effect on happiness as finding a new love.

Other perks of working for Disney are primarily in the form of discounts. The money I’ve saved through Disney discounts is unbelievable. I remember working at Staples and being excited when they finally gave us a 10% discount, which is nothing compared to what Disney offers. I got up to 60% off hotel rooms, 20-40% off merchandise, 20-40% off dining, a variety of discounts on Disney recreational offerings, 20% off quick service meals at Animal Kingdom and the resorts, and a holiday coupon book which included 30%, 40%, and 50% off meal coupons, free popcorn and soda coupons, free PhotoPass downloads, free rounds of mini golf, and extra park tickets.

It's difficult being law-abiding in a deliberate way. It takes some effort when you see other people getting away with doing whatever they like. It's even more difficult when the only reward for the consciously law-abiding is the suggestion that they themselves should feel guilty for becoming the victim of a crime, like they should have known better. Like they earned money legally through daily hard work only to create a snobby culture of materialism for the less well-off to resent and have their noses rubbed into. With that kind of reasoning, I'm the bad guy.

That was how for years, all through that quarter of the continent, they had fought, fled, beckoned, resumed. . . . If you took a map and tried to follow them over it, zigzagging town to town, back and forth, it might not have been that easy to account for, even if you recalled how wild, how much better than "wild" it'd been not all that many years ago, out here, even with the workdays that had you longing for the comforts of territorial prison, yes hard as that, when whatever was going to become yours—your land, your stock, your family, your name, no matter, however much or little you had, you earned it, with never no second thoughts as to just killing somebody, if it even looked like they might want to take it. Maybe a dog catching their scent coming down the wind, or the way some trailhand might be wearing his waterproof, that could be enough—didn't matter, with everything brand new and the soldiering so hard, waking up each day never knowing how you'd end it, cashing 'em in being usually never too distant from your thoughts, when any ailment, or animal wild or broke, or a bullet from any direction might be enough to propel you into the beyond . . . why clearly every lick of work you could get in would have that same mortal fear invested into it—Karl Marx and them, well and good, but that's what folk had for Capital, back in early times out here—not tools on credit, nor seed money courtesy of some banker, just their own common fund of fear that came with no more than a look across the day arising. It put a shade onto things that parlor life would just never touch, so whenever she or Reef pulled up and got out, when it wasn't, mind, simple getting away in a hurry, it was that one of them had heard about a place, some place, one more next-to-last place, that hadn't been taken in yet, where you could go live for a time on the edge of that old day-to-day question, at least till the Saturday nights got quiet enough to hear the bell of the town clock ring you the hours before some Sunday it'd be too dreary to want to sober up for. . . . So in time you had this population of kind of roving ambassadors from places like that that were still free, who wherever they came to rest would be a little sovereign piece of that faraway territory, and they'd have sanctuary about the size of their shadow.

A long time ago inside a local ice rink, 15 year olds went to battle to win a game of hockey.  They played for themselves, for their teams, for their coaches, for their towns, and for their families. It was a 0-0 tie in the 2nd period.     Both goalies were outstanding.  But one appeared to be somewhere else. Thinking.  The shot came.    The antagonist wasn’t aiming to break the scoreless tie.  He was living up to his agreement with the other team’s coach.  A coach who wanted his son to be the team's goalie.     He didn’t want a new goalie that could take his team where they have never been.  The playoffs.  A goalie that could secure his team at the top.  The coach watched the shot he bought.      The goalie could have shifted, dodged out of the way, but he was paralyzed.  He dropped to the ice when the puck struck his unprotected neck.     The player skated over to examine the goalie. He had accomplished his task.    And with the money he earned, he can buy the bicycle he always wanted.     The goalie’s father was standing amongst the other parents.  He was enraged that his son didn’t make the save.     He felt the hard work he put into his boy slowly fade, and quickly die out.  He knew how good his son was, and would be.  He knew the puck struck because the goalie let it.  He did not know why.   I groaned as the puck hit me in the arm.  I had pads, but pads can only soften the blow. I squeezed my arm.     My father stood and watched.     My friend fired another shot that whacked me in the throat, knocking me down.  I felt dizzy.      It was frigid on the pond in winter.     This is where I learned to play hockey.  This is also where I learned it was painful to be a goaltender.  I got up slowly, glowering at him.  My friend was perplexed at my tenacity.     “This time, stay down!” And then he took the hardest slap shot I have ever encountered.     The puck tore through the icy air at incredible speed right into my face.     My glove rapidly came up and snatched it right before it would shatter my jaw.  I took my glove off and reached for the puck inside.     I swung my arm and pitched it as fiercely as I could at my friend.     Next time we play, I should wear my mask and he should wear a little more cover than a hat.  I turned towards my father.  He was smiling.  That was rare.     I was relieved to know that I was getting better and he knew it.  The ice cracked open and I dropped through…      The goalie was alone at the hospital.  He got up and opened the curtains the nurse keeps closing at night so he could see through the clear wall.     He eyed out the window and there was nothing interesting except a lonely little tree.  He noticed the way the moonlight shined off the grass and radiated everything else.  But not the tree.  The tree was as colourless as the sky.     But the sky had lots of bright little glowing stars.  What did the tree have?  He went back to his bed and dozed off before he could answer his own question.   Nobody came to visit him at the hospital but his mother.     His father was at home and upset that his son is no longer on the team.  The goalie spot was seized by the team’s original goalie, the coach’s son.     The goalie’s entire life had been hockey.  He played every day as his father observed.  He really wanted a regular father, whatever that was.  A father that cares about him and not about hockey.  The goalie did like hockey, but it was a game.         A sport just like other sports, only there’s an ice surface to play on.  But he did not love hockey.     It was just something he became very good at, with plenty of practice and bruises.     He was silent in his new team’s locker room, so he didn’t assume anyone would come and see how he was doing.

I was asked, ‘When is the next book release, it’s been over a year since the last book release, have you given up writing?” Again a senseless question by a Sri Lankan journalist. Does it mean that being a writer means you have to release a book every month? Do they count a writer’s success by the quantity of books or the quality of the work? I am concerned about the quality of work, not the quantity of books that I release. One can publish hundreds of books within a couple of years today as technology is advance and cheap, but keeping the quality of the work is something you cannot depend of technology and money. It is the quality of thinking of the writer which should reflect through their work. I have been in the field for almost 2 and a half years, learnt a lot through trial and error, learn through my mistakes. I am no longer bothered about the number of books I write, how much I spend or how much I earn, my only focus is to do something quality which will last long, even after I am gone, something that will touch the soul of the readers. Will these journalists understand a soul of an artist? In this big dirty game of ‘media mafia’, ‘artists’ are only marketing ideas.

Jesus’ story makes no economic sense, and that was his intent. He was giving us a parable about grace, which cannot be calculated like a day’s wages. Grace is not about finishing last or first; it is about not counting. We receive grace as a gift from God, not as something we toil to earn, a point that Jesus made clearly through the employer’s response: Friend, I am not being unfair to you. Didn’t you agree to work for a denarius? Take your pay and go. I want to give the man who was hired last the same as I gave you. Don’t I have the right to do what I want with my own money? Or are you envious because I am generous?